Frequently Asked Questions
At Cribb Insurance Group, we help individuals and families worry less about their insurance protection, so they can spend time on the things most important to them. With our wide selection of products and carriers, we're the only agency you need for all of your personal insurance needs.
Fast Turnaround
Bringing efficiency to everything we do to get you covered quickly.
Proactive Service
Our account managers are here to help you whenever you need it.
Carrier Selection
Our wide range of business insurance carriers ensures great pricing.
Frequently Asked Questions -
Home Insurance
Yes, renters need home insurance as it protects their personal property from theft, fire, or other disasters, and provides liability coverage if someone is injured on the rental property.
Yes, you can purchase home insurance if your home is under construction, but you'll need a specific type of policy called a builder's risk insurance that covers property damage and liability during the construction phase.
Home insurance typically does not cover damage caused by natural disasters such as earthquakes or floods, intentional acts of damage, wear and tear, or damage caused by pests.
Flood damage is typically not covered under a standard home insurance policy. You'll need a separate flood insurance policy to cover damage caused by floods.
Liability coverage in a home insurance policy provides financial protection if you're found responsible for injuring someone or damaging their property.
Yes, you can add additional coverage to your home insurance policy such as flood insurance, earthquake insurance, or personal umbrella coverage.
Replacement cost coverage in a home insurance policy pays to replace your damaged or destroyed property with new items of similar kind and quality. Actual cash value coverage pays to replace your damaged property minus depreciation.
Damage caused by pets is typically covered under a home insurance policy, but there may be exclusions for certain breeds or types of pets. It's important to review your policy to understand your coverage.
If your home is damaged in a natural disaster, first ensure the safety of yourself and your loved ones, then contact your insurance company to report the damage and start the claims process.
Frequently Asked Questions -
Automobile Insurance
Cribb Insurance Group offers both standard auto insurance and car insurance for collector cars in Northwest Arkansas.
Car insurance covers more than just car damage. It also provides coverage for bodily injuries to others, property damage, and offers liability protection for the policyholder.
Adequate car insurance limits can protect you from financial loss by providing coverage for bodily injuries and property damage caused to others. In the event of an accident where you are at fault, having proper insurance coverage ensures that you won't be personally liable for the expenses.
Cribb Insurance Group is an independent agency that works with various insurance providers. They compare your current coverage with options from different companies to find the best deal that meets your needs. Their services are free, as they are compensated by the insurance carriers directly.
Important auto insurance coverages to consider include collision coverage (for damages to your car in an accident), comprehensive coverage (for non-collision damages like theft or windshield cracks), property damage coverage (for damages caused to others), bodily injury liability (for medical expenses of other parties), and uninsured/underinsured liability (protection if injured by a party with inadequate coverage).
Common factors that insurance companies consider when determining auto insurance rates include age (younger and older drivers may have higher rates), credit score (better credit usually leads to more favorable rates), type of car (including engine size and safety features), driving history (accidents and violations impact rates), and the overall household composition (multiple young drivers in a household can affect pricing).
Cribb Insurance Group simplifies the process of getting car insurance quotes. By providing basic information about your needs, they conduct a policy review and comparison on your behalf. They handle the entire process, making it easier for customers to find the best company and price.
No, using Cribb Insurance Group to compare car insurance quotes does not cost anything extra. They are compensated directly by the insurance carriers, and their services are provided at no additional cost to the customer.
Yes, Cribb Insurance Group can help customers understand the coverage options and policy details. As experts in policy contracts, they can explain the exclusions, conditions, and fine print behind the cover page. This ensures that customers have a clear understanding of their coverage and can make informed decisions.
Cribb Insurance Group provides its services in Northwest Arkansas, specifically in Bentonville, Rogers, Centerton, Bella Vista, Springdale, Fayetteville, and other parts of Arkansas. They are available to assist customers in these areas with their auto insurance needs.
Frequently Asked Questions -
Landlord Insurance
Landlord insurance typically covers property damage, liability claims, loss of rental income, and more, depending on the specific policy.
Landlord insurance is designed specifically for rental properties, while homeowner's insurance is designed for owner-occupied properties. Landlord insurance provides additional coverage for risks associated with renting out a property.
Landlord insurance is not required by law, but it is highly recommended for anyone who rents out a property.
It's important to work with an insurance agent or provider to determine how much coverage you need based on factors such as the value of your property and the level of risk.
No, landlord insurance does not typically cover a tenant's personal belongings. Tenants should purchase their own renter's insurance policy for this type of coverage.
Landlord insurance may provide coverage for natural disasters such as hurricanes, floods, and earthquakes, depending on the specific policy.
Some landlord insurance policies may offer coverage for short-term rentals, but it's important to check with your insurance provider to ensure you have the necessary coverage.
You can usually make changes to your landlord insurance policy at any time, but there may be restrictions or fees associated with certain changes.
Without landlord insurance, you may be liable for any damage or loss that occurs to your rental property, as well as any liability claims or legal fees that arise.
We never knew it could be this easy...
"After 40 years with Allstate we decided to look for other options. Contacted The Cribb agency for their review of our policies. They were quick to respond, Extremely helpful and in the end saved us significant money while improving our coverage."
Steve S.