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Frequently Asked Questions


What does a Homeowners insurance policy cover?

Homeowners insurance covers damages from incidents such as fire, theft, and vandalism to your home and your personal belongings. It covers living expenses if your home becomes temporarily unusable, and liability in case you or a member of your family injures someone or damages their property.

How do I know if I have an adequate amount of dwelling coverage on my policy?

You are properly covered if your policy's value is enough to rebuild your house should you experience a total loss. Since the replacement cost of your house can vary over time because of inflation, the cost of labor and materials, and renovations you may make to your home, you should review your coverage every few years.

If I conduct business at home, is my business property covered by my Homeowners policy?

Your policy provides coverage of up to $2500 for property located on the residence premises which is related to your business. The limit for such property located away from the residence premises is $250.


How much auto insurance coverage do I need?

Enough insurance coverage to protect the people and things that are important to you by:

  • Providing financial protection from lawsuits
  • Paying for medical expenses in case of an accident
  • Protecting your financial investment in your car

Bodily Injury

What might happen if you are held responsible for injuring another person in an accident? How much might their medical treatment and lost wages cost? In effect, you are considering this question when you set your bodily injury limits. By specifying higher bodily injury limits, you pay more in premium but are protected for a greater dollar amount than with lower limits.

Property Damage Liability

How much would it cost you to replace another driver's car or property if you were responsible for an accident? You are considering this question when you set your property damage limits. By specifying higher property damage limits, you pay more in premium but are protected for a greater amount of damage than with lower limits.

Uninsured Motorist

Many drivers in the U.S. do not carry auto insurance in spite of the fact that, in most states, driving without certain kinds of insurance is illegal. If you are injured in an accident caused by an uninsured driver, how much could you afford to pay for medical needs and/or financial losses for both yourself and your passengers? This is what you are being asked when you set your uninsured motorist coverage limits. By specifying higher uninsured motorist limits, you pay more in premium but are protected for a greater dollar amount than with lower limits.

Comprehensive & Collision Coverage

Do you want insurance to cover your car if it is damaged or broken into? How much is your car worth? Some people will sometimes decline comprehensive and collision coverage for older, low-value vehicles but if you waive this coverage, would you be able to afford a replacement car? You need to consider deductible levels if you select comprehensive and collision coverage. Setting high deductibles decreases your monthly premium; however, you will be required to pay for damages up to the deductible amount should your vehicle be damaged.

If I am obtaining a loan to buy my car, what kind of insurance do I need?

Comprehensive Coverage

Comprehensive coverage helps pay for damage to your car that does not result from a collision between two moving cars, from a collision with an object, or from your car rolling over. (These three items tend to be covered by collision insurance.) Damages resulting from falling objects, fire, certain natural disasters, and vandalism are commonly covered. Comprehensive coverage also generally covers theft. When you buy comprehensive coverage, you will be asked to set your deductible. For example, if you set your deductible at $1,000, this decreases your premium payments but you will be required to pay for any damages up to $1,000 should your car need to be repaired.

Collision Coverage

Collision coverage helps pay for auto repair or replacement costs if your car rolls over or if your car hits another vehicle or object. When you buy collision coverage, you will be asked to set your deductible. For example, if you set your deductible at $1,000, this decreases your premium payments but you will be required to pay for any damages up to $1,000 should your car need to be repaired.

I drive a car in Hawaii. What’s required?

Hawaii law states that no one can operate or use a motor vehicle unless it is insured at all times. Mandatory coverage requirements can be found at

What other types of coverage are available?

Medical Payments Coverage

Also known as ‘Medical Payments to Others,’ this coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident. This may also cover policyholders and their family members when in others' vehicles, or when policyholders and their family members are on foot and hit by a car. Covered costs are typically subject to certain policy limits.

Collision Deductible Waiver

Collision Deductible waiver coverage is purchased in conjunction with collision coverage. This coverage pays the policyholder's collision deductible for an insured vehicle if a policyholder is involved in an accident in which an uninsured motorist is held legally responsible for the accident.

Rental Car Reimbursement

Rental Car Reimbursement is a policy provision that helps pay for a rental car when a covered car is damaged or stolen.

What affects auto insurance premiums?

Many things affect your auto insurance premiums, including:

  • What insurance coverages you buy
  • How much the deductibles are
  • What kind of car you drive
  • How much you drive
  • Your driving record

What can I do to keep my auto insurance premiums low?

If this is important to you, you’re going to want to consider what kind of car you’re planning on buying. Some insurers charge more for certain types of cars that are susceptible to damage, occupant injury, or theft.

To save money, don’t be shy about asking if the insurer provides discounts for insuring more than one vehicle, insuring your vehicle and your home with the same insurer, for good students, or for accident-free driving. Many insurers have creative premium-reducing programs that help you cut your insurance costs.

It goes without saying – drive safely!

Employee Benefits

What are the benefits of developing a working relationship with Atlas Insurance Agency?

When you partner with Atlas Insurance, you will work with a company that has a vested interest in your company’s success. Atlas is built upon a foundation of trust, professionalism and integrity. These principles are adhered to daily, whether you are a client of twenty years or a newly referred client.

Atlas will act as member of your ‘employee benefits team.’ Atlas will analyze the economy, the business community and benefit trends to ensure that your company’s benefit program remains up-to-date and appropriate in fitting with your business goals and philosophy. Working in partnership as part of your benefits team, Atlas will respond to resolve issues, make recommendations, review new products and trends, and give objective opinions when deciding to make changes.

Why would a company want to use an Insurance Benefits Broker to assist them with employee benefits?

In today’s competitive marketplace, companies are finding that in order to retain top employees they have to consider more than salary. Employees are looking for more than a paycheck – they are looking for more intangible benefits.

In fact, the 2006 U.S. Office of Personnel Management Employee Benefit Survey showed that 79% of employees thought Group Life Insurance was either ‘Important’ or ‘Very Important’ while 63% had the same responses for Long Term Care Insurance, and 45% for Flexible Spending Accounts.

If an employer does not have a competitive benefits package, there is a good chance that employees will seek those benefits elsewhere. More and more employers are offering a total benefits package to better meet employees’ needs. An Insurance Benefits Broker can provide the tools and guidance to help employers build the perfect benefits package to meet their needs.

What does an Insurance Benefits Broker do?

The employee benefits package offered by an employer should be a reflection of their organization’s philosophy and goals. It is our job to understand your goals and help you develop a benefits package tailored to your needs and the needs of your employees. We provide you with the information and resources necessary to make informed and effective decisions regarding the benefits you choose to offer.

We know that navigating the maze of benefit options, costs, providers, vendors, and state and federal laws can be challenging. It is our job to help you navigate that maze. Even companies with experienced Human Resources departments find it beneficial to use the services of a Benefits Broker such as Atlas Insurance Agency.

What is the process involved in developing a plan for individual clients?

In the past, most companies chose to offer only the minimum level of mandated benefits. That is no longer the case as employers attempt to recruit and retain quality employees. Atlas Insurance can instruct companies on how to offer a wide-range of employee benefits suited to their philosophy, budget, and goals. Atlas can introduce benefits an employer may never have considered. These options may include additional or optional life insurance, cafeteria plans, supplemental disability insurance, long term care insurance, or prescription drug options.

We start the benefit planning process by gathering information about your existing plan(s). We ask questions to help develop the strategy best suited to your organization. In determining strategy, together we will consider all possible benefit options and help establish measures to meet your budget.

Once we have established the criteria in regards to plan options, design, and budget, we will shop the market for the best plan options available. We can provide to you several plan options balancing both quality and cost. Together we will review all options, identify any excesses or gaps, and recommend a plan designed exclusively for your organization.

Atlas Insurance Agency will develop a partnership with you and will work throughout the year to ensure that the best interests of your organization are being met. Some of our ongoing services include: Open enrollment coordination and assistance, enrollment form review and submission, advocacy and problem solving assistance. In addition you can look to us as an extension of your Human Resources department. We are available to answer questions or direct you to resources when issues or concerns arise.

Prior to the end of your plan year, Atlas will review claims history and renewal rates. We will evaluate your cost and benefits to ensure that your benefit package continues to compliment your organizational goals and philosophy. If it is determined that change is necessary we will recommend modifications and assist you through the process.

Why is offering a complete benefit package so important?

Your employees are one of your most valuable assets. A comprehensive benefits package will help protect those assets. Employee benefits serve as a hidden paycheck, help employees meet their personal needs, and can help offer financial security. A solid benefits package can have a direct impact on morale, recruiting, and retention.

Our experience has shown that employees are looking for benefits that meet their personal needs and they are willing to pay a few more dollars a month for increased benefit options and flexibility. Let Atlas Insurance Agency provide you with options to enhance your benefits package without breaking your budget.