FAQs

Spirit Insurance

Have a question about insurance? We have the answer at Spirit Insurance. Check out these FAQs and contact us today for more information!

  • Do you offer discounts for multiple lines of insurance?

    Yes, you can save when you bundle multiple policies with us. Call now for a free quote. We’ll show you how much money you can save with bundling!

  • What does flood insurance cover?

    With flood insurance, you get coverage for direct damage to your property. This includes the structure, contents, and cleanup. This insurance does not protect your basement, and it does not apply for water damage caused by excessive wind.

  • How can I pay my premiums?

    Your payment options will vary based on your policy. Most of the time, you can opt for monthly, bi-annual, or annual premium payments. We’ll work with you to find the best payment structure. We want you to feel good about getting your payments to your carrier!

  • Can I pay my bill online?

    Yes, our carriers offer online payment options. Just look for your carrier’s link or contact us to learn more.

  • How can I file a claim?

    There are several ways to file a claim. First, you can call us directly. We’ll handle it for you. However, if it’s after hours, you can check the online carrier links. This allows you to file it directly online with your insurance carrier.

  • What are the different types of life insurance?

    There are five main options for life insurance:


    • Term life
    • Whole-life
    • Universal life
    • Variable life
    • Final expense life

    You need to understand the options to make sure your coverage meets your needs. You can read up on life insurance on our Life and Health Insurance page.

  • Do I need life insurance if I’m young and single?

    The decision to buy life insurance is always personal. However, if you have debts such as student loans or a mortgage payment, your life insurance can help cover those debts. You may also want a policy that covers funeral costs, which can range from $5,000 to $10,000. Overall, life insurance gets more expensive as you age, so it may be beneficial to buy a policy now while you’re young. When you’re young and healthy, policies are usually more affordable. Plus, you never know what will happen in the next few years. Life can change quickly. If you want to explore your options for life insurance, contact us now. We offer free life insurance consultations to discuss the options without pressure.

  • How is my auto insurance premium calculated?

    Your premiums are based on various factors. This could include your car, driving record, coverage options, and demographics. How much you pay for premiums is also related to the limits and deductibles on your plan.

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