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FAQs

Nothing is more important to us than our clients, and everyone at the AC Pepe Insurance Agency strives to support our clients in any way we can. Below you will find some helpful information and frequently asked questions.

General Questions:

Why should I use an insurance agent?

Why do I need to buy insurance?

Auto Insurance:

Which factors affect the cost of my auto insurance?

How can I lower my auto insurance rates?

What is the difference between collision physical damage coverage and comprehensive physical damage coverage?

Suppose I lend my car to a friend; is that covered under my auto insurance policy?

What should I do at the scene of an accident?

Homeowner's Insurance:

What does homeowner’s insurance cover in New York?

How can I lower the cost my home insurance?

How much homeowner’s insurance should I have?

Business Insurance:

Should my small business have business income insurance?

What does business insurance cover?

What does general liability insurance cover?

Umbrella Insurance:

What is a personal umbrella liability policy?

Why would I need a personal umbrella liability policy?

Life Insurance:

Who needs to buy life insurance?

Who can take out a policy on my life?

How much life insurance do I need?