About Us
Our team has been servicing the Paris community since 1935. Our goal is to meet and exceed all of your expectations by utilizing all of our resources to design insurance programs for you and your businesses.
Personal Insurance
Helping you determine what coverages are right for you -- whether your home, your car, or your valuables is our number one priority. We will diligently represent you with our carrier partners to insure you have adequate coverage at a price you can afford.
Business Insurance
As a business owner, you have many a sleepless night worrying about your business and your employees. Let our team help you by designing an insurance portfolio that protects you, your business, and your most important asset, your employees.
Client Service Center
Client Service is very important to us. No matter what time of the day or night. We have prepared our Resource Center with tools, forms, and quote requests, to make it easy to contact the agency.

Get a Quote

Buying Flood Insurance - Questions to Ask

Flooding conditions can continue through the winter months. You might be considering a flood insurance policy but don’t know what questions to ask.  This post from FEMA should be helpful.

  • Does my community participate in the National Flood Insurance Program (NFIP)? Flood insurance from the NFIP is only available in participating communities, but most communities do participate. Your agent can tell you if your state and community participate, or you can look it up online in the Community Status Book.
  • What flood zone do I live in? What is my property’s flood risk?
  • How long does it take for my flood insurance policy to go into effect? It typically takes 30 days from the day you purchase flood insurance for the policy to go into effect. When purchasing a policy, ask your agent when coverage will start.
  • Is flood insurance mandatory for my property? Will the lender require it?
  • Do I qualify for a lower-cost Preferred Risk Policy (PRP)?
  • Does my community participate in the NFIP’s Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?
  • What will and won't be covered?
  • Will the federal government back my flood insurance policy?
  • How much coverage should I get for my building and for my contents?
  • How can I reduce the cost of my flood insurance?
  • Are there additional expenses or agency fees?
  • Will my policy provide Replacement Cost Value or Actual Cash Value — and what’s the difference between the two?
  • Who should I call if I have a flood claim?
  • How can I pay for my policy?
  • How do I renew my policy?

Give us a call at the agency and we will be happy to answer all these questions for you. 

Source: FEMA