FAQs

Yes, we provide multi-policy discounts. Contact us for a complimentary quote to discover potential savings when bundling your insurance policies with Spirit Insurance. We offer a range of coverage options including business, auto, and flood insurance to meet your needs.

Flood insurance typically covers direct damage to your property caused by flooding. This includes damage to the structure, contents within the structure, and flood-related cleanup costs. It's important to note that flood insurance doesn't cover basement damage or water damage caused by high winds. According to recent data, 22% of homeowners believe they're at risk of flooding. If you're among this group, we recommend contacting our team to discuss your options.

Premium payment structures can vary depending on the type of insurance policy. We often offer monthly, bi-annual, or annual payment options for policies such as auto, home, or flood insurance. Our team works closely with clients to determine the most suitable payment structure for their specific needs and to ensure timely premium payments to the carrier.

Yes, online bill payment is available through carrier links provided on our website. Please locate your specific carrier's link to process your payment. We offer a wide range of insurance products including boat, life, and flood insurance to suit your various needs.

The claim filing process may vary depending on your specific insurance policy and carrier. We recommend contacting our office directly for guidance on the most efficient way to file your claim. Our experienced team can provide you with the necessary steps and support throughout the claims process.

There are five primary categories of life insurance: term life, whole life, universal life, variable life, and final expense life insurance. It's crucial to understand your current coverage and ensure it aligns with your needs. For more detailed information about these types, please refer to our 'Life Insurance' page. To explore our other insurance offerings, such as business and flood insurance, please reach out to our team.

While the decision to purchase life insurance is personal, there are factors to consider even if you're young and single. If you have outstanding debts like student loans, life insurance can help cover these obligations. Additionally, it can provide funds for funeral expenses, which currently average between $5,000 and $10,000. It's worth noting that life insurance premiums generally increase with age, so securing coverage while young and healthy can be cost-effective. Life circumstances can change rapidly, so we recommend scheduling a complimentary, no-obligation consultation with one of our life insurance specialists to discuss your options.

Auto insurance premiums are determined by various factors including your driving record, age, type of vehicle, location, and coverage limits. Other considerations may include your credit score, annual mileage, and any available discounts. For a personalized premium estimate, we recommend contacting our office for a detailed quote based on your specific circumstances.