Can I pay my bill online or use a credit card?

Do I get a discount for having my home and auto insured with you?

Why do I have to have more than one policy with your agency?

Do you write state minimum limits on your auto insurance policies?

Can I pay my bill monthly?

If I live in VA and buy a house or investment property in WV or MD can your agency insure all of my properties?

Do I contact my agent if I have a claim or is there another number for me to call?

Why do I need life insurance?

How much life insurance do I need?

What is the difference between whole life insurance and term life insurance?

Can you insure my farm or business?

What is loss of use coverage?

Do I have to have uninsured and underinsured motorist coverage on my auto policy? What is the difference?

I already have life insurance at work. I’m not sure I have enough?

Can I pay my bill online or use a credit card?
Yes! Farm Family Casualty Insurance Company and ANPAC® have company websites for you to access for an easy secure way to pay your insurance bills. Click here for your payment options.

Do I get a discount for having my home and auto insured with you?
It is the policy of our agency to be the multiple-line choice for the customer needs in property and casualty insurance products and for life insurance products, therefore we offer a little TLC for our clients! TLC discount (Tri-Line Coverage discount) adds up to a 15% savings on your homeowners insurance policy and a 12.5% savings on your auto insurance policy for all qualified clients.

Why do I have to have more than one policy with your agency?
It is our philosophy to build relationships, not just write policies. For this reason, it is our agency policy to require a client to have more than one policy with our agency. This enables us to create advocates.

Do you write state minimum limits on your auto insurance policies?
Our agency believes in insuring our clients so that they are not caught in a situation where they are paying for someone’s funeral or automobile, therefore we do not write state minimums of $20,000 for bodily injury or $10,000 in property damage. We recommend higher amounts than the current state limits.

Can I pay my bill monthly?
Yes! You can pay all of your insurance needs monthly. All monthly payments with Farm Family Casualty Insurance Company and ANPAC® are automatically withdrawn from your personal or business checking or savings account.

If I live in VA and buy a house or investment property in WV or MD can your agency insure all of my properties?
ABSOLUTELY! All of our agents are licensed in WV, MD, VA, and PA. You invest your money into your property we can help you insure it!

Do I contact my agent if I have a claim or is there another number for me to call?
Our agency staff is always willing to help. If you would like to contact our agency, that would be fine however we have claim specialists for Farm Family and ANPAC® which are available to you 24 hours a day, 7 days a week. It is a toll free number and you will speak to a person versus an automated machine. The claims number for Farm Family is 800-469-8849 and ANPAC® 800-333-2861.

Why do I need life insurance?
There are two basic reasons to purchase life insurance:
- You owe someone – when you die, final expenses, family debts, and mortgage payments could be a financial burden to surviving family members.
- You love someone – You want to provide income continuation for your spouse, or the fund for your child’s college education.

How much life insurance do I need?
Only you can determine how much life insurance is right for you. Life insurance is a product that can address one of the most serious financial risks you face: the risk of dying too soon. Life insurance can provide the right amount of money at just the right time. No other product will provide such a large, instant cash benefit – tax free- at the time it is needed most. Below is a worksheet to help you arrive at an accurate estimate of your needs.
You Owe Someone
1. Last expenses (funeral and probate costs) $__________
2. Current debts (auto loan, credit cards, etc.) $_________
3. Mortgage or rent fund (pay off house note or cover rent payments) $______

You Love Someone
4. College education fund $________
5. Income continuation for family $___________
6. Total life insurance need (1 + 2 + 3 + 4 + 5) $_________
Minus
7. Existing life insurance $__________
8. Life insurance to be purchased (6-7) $__________
9. Monthly premium commitment $_____________

What is the difference between whole life insurance and term life insurance?
Whole life insurance coverage serves as an excellent foundation for any life insurance program. It is a policy with a fixed level premium. This means that when you take out the policy your premium will remain the same throughout your life. In addition, your premium dollars will accumulate cash value that you can borrow against to help fund college costs, retirement, etc.

Term life insurance is like renting your life insurance policy. Your premium will be fixed for a certain period of time then it will fluctuate. You do not accrue a cash value however you can convert your term insurance policy to a whole life insurance. Term insurance premiums are lower during the early years of coverage.

ALL LIFE INSURANCE POLICIES CARRY A TAX FREE DEATH BENEFIT!

Can you insure my farm or business?
Yes! We insure farms including pick your own, country estates, businesses, contractors, etc. to all qualified clients.

What is loss of use coverage?
Loss of Use coverage is when you have a claim and you are unable to live in the home while it is being reconstructed or repaired. We will pay for you to rent another home or pay for your hotel/motel until you are able to move back into your home.

Do I have to have uninsured and underinsured motorist coverage on my auto policy? What is the difference?
It is a state law to have UNinsured motorist coverage however, you do not have to carry UNDERinsured motorist coverage.
Uninsured motorist coverage is the driver that hits you and injures you and/or your passengers and damages your vehicle and does not have any automobile insurance.
Underinsured motorist coverage is the driver that hits you and does not have enough coverage to take care of you or your passenger’s bodily injury as a result of the accident. It also would help cover your vehicle if the at fault driver does not have enough to pay for the replacement of your vehicle.

I already have life insurance at work. I’m not sure I have enough?
Your policy at work is something you will want to look into and be aware of its coverage. Make sure you will still be covered if you leave your place of employment. Complete the worksheet under, “How much life insurance do I need?”

The information contained on this web site is provided for general informational purposes only and is subject to change without notice.

Products & services are not available in all states.

Please read the Important Notices for a list of states.