Frequently Asked Questions

FAQs can be valuable in the context of insurance agencies:

While FAQs are a valuable resource, they should be seen as a complement to, not a replacement for, personalized customer service. Some insurance inquiries may be unique, and customers may have specific situations that require individual attention. Therefore, a combination of well-designed FAQs and responsive customer service is often the ideal approach for insurance agencies to serve their clients effectively.

What is insurance?

Insurance is a financial arrangement that provides protection against financial losses. It involves the transfer of risk from an individual or entity to an insurance company in exchange for regular premium payments.

Why do I need insurance?

Insurance is essential to protect you and your assets from unexpected events like accidents, illnesses, natural disasters, or theft. It provides financial security and peace of mind.

What types of insurance are available?

There are various types of insurance, including life insurance, health insurance, auto insurance, home insurance, and business insurance, among others.

How do insurance premiums work?

Insurance premiums are the regular payments you make to the insurance company to maintain coverage. The amount you pay depends on factors such as your age, health, driving record, and the level of coverage you choose.

What is a deductible?

A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Higher deductibles typically result in lower premium payments.

What is a policy limit?

A policy limit is the maximum amount an insurance company will pay for a covered claim. It’s important to choose policy limits that adequately protect your assets and financial well-being.

How do insurance claims work?

When you experience a covered loss, you file a claim with your insurance company. They will assess the damage and provide compensation up to the policy limit, minus any deductible.

What is a rider in insurance?

A rider is an optional add-on to an insurance policy that provides additional coverage for specific risks or circumstances not included in the standard policy.

Can I change my insurance coverage during the policy term?

In most cases, you can make changes to your insurance coverage during the policy term, but it may result in adjustments to your premiums or policy terms.

How can I lower my insurance premiums?

You can lower your insurance premiums by increasing your deductibles, maintaining a good driving record, bundling multiple policies with the same insurer, and periodically shopping for better rates.

What is the difference between term life insurance and whole life insurance?

Term life insurance provides coverage for a specified term (e.g., 10, 20, or 30 years) and pays out a death benefit if the policyholder dies during that period. Whole life insurance, on the other hand, provides coverage for the policyholder’s entire life and includes a savings component.

What factors affect my auto insurance rates?

Auto insurance rates are influenced by factors such as your driving history, the type of vehicle you drive, your location, your age, and your credit score.

Can I cancel my insurance policy at any time?

You can typically cancel an insurance policy at any time, but you may be subject to a cancellation fee, and you might not receive a refund for the remaining premium. Check your policy for cancellation terms.

What is an insurance underwriter?

An insurance underwriter is a professional who evaluates insurance applications to determine the level of risk and pricing for coverage.

What is a grace period in insurance?

A grace period is a specified time after a premium payment is due during which the policy remains in force. If you make the payment within the grace period, your coverage is maintained.

Our Insurance Partners

The great thing about an independent insurance brokerage like the DOK Insurance Agency is that we can offer insurance policies from literally hundreds of insurance companies and still be your advocate to each one of them.

We are an independent insurance brokerage that offers a wide variety of services.

We have seen and gone through a lot of changes since we opened our doors in 2008, but one thing hasn’t changed: We are a family owned business that not only care about our clients but also about the communities that we live in.


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As an all-lines insurance brokerage, we are proud to offer great options to protect you no matter what your property needs are. Talk to one of our agents now or request a free quote below so we can help you decide how much and what type of coverage is right for you.

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