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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is auto insurance?
  2. What is considered minimum (basic) coverage on an auto policy?
  3. What is homeowners insurance?
  4. What is in a standard homeowners insurance policy?
  5. How do I file a claim?
  6. Why do I keep getting letters from my mortgage stating they have no proof of coverage?
  7. What is an umbrella liability policy?
  8. What kind of discounts can I get through your agency?
  9. What payment methods can I use in your office?
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

- Property coverage pays for damage to or theft of your car.

- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

For more information about auto coverages, click here.



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What is considered minimum (basic) coverage on an auto policy?

The minimum coverage required by Florida law is $10,000 personal injury protection (PIP) and $10,000 property damage liability for all registered and licensed vehicles. 




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What is homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.



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What is in a standard homeowners insurance policy?
A standard homeowners insurance policy includes four essential types of coverage. They include:

1. Coverage for the structure of your home.
2. Coverage for your personal belongings.
3. Liability protection.
4. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.



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How do I file a claim?
For information and links on filing a claim, click here.

(Note: the link above does not work. We are working on a soultion for this, sorry for any inconvenience.)



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Why do I keep getting letters from my mortgage stating they have no proof of coverage?
There are usually two reasons:

1. The mortgage has changed their mailing address and your insurance carrier was not notified. If you get a letter, please let your agent know to update the mortgage clause.

2.  If you're responsible for paying premiums and are on a payment plan, the mortgage will also get notification when you are late on a payment. The mortgage lender will note in their system that you have no coverage when in fact you do.

Most times installment payments to carriers cross in the mail with cancellation notices. To prevent your mortgage from getting these cancellation notices, please pay when you get your first notice.



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What is an umbrella liability policy?
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides.

An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. It will also cover you for things such as libel and slander.

For about $150 to $300 per year you can buy a $1 million personal umbrella liability policy. The next million will cost about $75, and $50 for every million after that.

Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage. Most insurers will want you to have $250,000 or more of liability insurance on your auto policy and $300,000 of liability insurance on your homeowners policy before selling you an umbrella liability policy for $1 million of additional coverage.



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What kind of discounts can I get through your agency?
Discounts depend on the insurance company, not the agency. Some common discounts include good student discounts, paid-in-full discounts, multi-policy discounts, and senior citizen discounts, among others. Come in or call us today at (727)381-4000 to see what kind of discounts you are eligible for.



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What payment methods can I use in your office?
The most common payment methods are cash, check, and electronic check. Payment methods differ among the different companies. To pay with a credit or debit card, click on "Make a Payment", select your company, and create a login and password if you don't already have one. Some companies will accept a debit or credit payment online for a small fee.

If you are unsure of what method to use to pay your premium, come in or call us at (727)381-4000 so we can help you make your payment.



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White Hoskins Cook Insurance Agency, Inc. l 6821 Central Ave. | PO Box 40160 | St. Petersburg, FL 33743 | PH: 727.381.4000           Powered by Insurance Website Builder
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