FAQs

Get the Answers You Need: Explore Our Insurance FAQs.

General Insurance FAQs

How can I reduce my insurance costs?

– Combine your home and auto insurance with one provider.
– Opt for higher deductibles.
– Pay your premium in full.
– Maintain a clean driving record.
– Inquire with your agent about specific discounts offered by the company.

What are the benefits of using an insurance agent?

– We collaborate with multiple companies to find the best insurance for you.
– We possess extensive knowledge of various insurance markets and products, both personal and business.
– We are local, living and working within your community.
– We offer unbiased advice, working for you and not being limited to a single company.
– We provide personalized service.

Auto Insurance FAQs

What is the difference between collision coverage and comprehensive coverage?

Collision Coverage: Covers damages when your car collides with another vehicle or object. The only collision covered under comprehensive is with an animal (e.g., a deer).
Comprehensive Coverage: Provides coverage for damage not caused by a collision, such as vandalism, theft, fire, and glass damage.

What factors can affect the cost of my automobile insurance?

Many underwriting factors can influence your auto insurance rate. The most significant factor is your driving record, along with the type of car you drive. Other factors include the year, make, and model of your vehicle, where it is garaged, and additional drivers on the policy.

Home Insurance FAQs

What is the difference between “actual cash value” and “replacement cost” for scheduled items?

Actual Cash Value: Replaces a lost or stolen item based on its depreciated value.
Replacement Cost: Replaces the lost or stolen item with a similar item of comparable quality at today’s current prices.

Renters Insurance FAQs

Why should I consider buying renters insurance?

Renters insurance covers your personal belongings and provides liability protection for you and your guests. It also covers temporary living expenses if you are displaced from your apartment due to damage.

Umbrella Insurance FAQs

What is a personal umbrella liability policy?

A personal umbrella liability policy offers extra liability coverage, increasing the protection limits over all your other personal liability policies (i.e., home, auto, boat, recreational vehicles, etc.).

Our Coverages

Whether you need insurance for personal or business purposes, we can help you safeguard what matters most.

Errors and Omissions Insurance
Landlord Insurance
Directors and Officers Insurance
Professional Liability Insurance
EPLI Insurance
Snow Plowing Insurance
Commercial Property Insurance
Liquor Liability Insurance
Daycare Insurance
Builders Risk Insurance

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Reviews

Discover why others trust us for their insurance needs. Read what our clients have to say!

Atlantic Insurance took a lot of time to walk me through my small business insurance policy and helped me understand what coverage was necessary and not. They went above and beyond helping complete paperwork and they made sure to follow up with me to make sure I was satisfied with the process. Awesome!

L. Downey

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Dan was so knowledgeable and helpful with both my personal insurance and also our commercial policies. Can’t recommend more!! Always nice to be able to pick up the phone and deal with an agent directly.

D. Wallace

Google Reviews

When you have teen drivers starting to drive you need a little more than a basic insurance policy. This is where Atlantic Insurance came in. We worked with Atlantic to manage our home and auto insurance. We have been with them for 6 years now and we are not disappointed.

S. O’Neil

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