FAQs

We blend trusted experience with personal attention. At St. Andrews Insurance, you’re not a policy number—you’re a person. We take the time to explain your coverage, advocate on your behalf, and always prioritize what’s best for you. Learn more on our About Us page.

Yes. As an independent agency, we’re not tied to one carrier. That means we shop top-rated companies to find the best coverage and value for you—based on your needs, not sales quotas.

Our office is open Monday through Friday, 9:00 AM to 5:00 PM. We’re closed on weekends and public holidays, but you can always leave a message or send an email—we’ll follow up promptly on the next business day. For more questions visit our contact us page. 

 It’s simple. You can request a quote directly through our Contact page, or visit our Home Insurance, Auto Insurance, or Business Insurance pages to start your request. We’ll follow up personally to review your needs and present tailored options. Contact us now or request a quote today. 

Each carrier offers different payment methods—credit card, ACH, check, or online portals—and some may include processing fees. We’ll clarify all your options during the setup process so you can choose what works best. Need help? Contac us now

Auto policies typically include liability, collision, comprehensive, and more—depending on what fits your situation. We’ll walk you through it. Visit our Auto Insurance page to explore coverage options.

We cover everything from general liability to commercial auto, workers’ comp, and more. Whether you’re a contractor or run a retail shop, our Business Insurance page outlines solutions for a range of industries.

Absolutely. We can help you protect both your home and your business operations under the right policy. Start with our Business Insurance page or contact us  to discuss your setup.

 Yes—especially if you work with vendors, landlords, or large clients. We can help you obtain COIs quickly and easily. Reach out anytime for support.

Umbrella insurance provides additional liability coverage beyond your standard home, auto, or business policies. It’s a cost-effective way to protect your assets in case of major claims. Read more on our Umbrella Insurance page.

Anyone with assets to protect can benefit from umbrella insurance. Personal umbrella insurance adds extra liability protection beyond your home, auto, or boat policies—ideal for families, property owners, or anyone at risk for larger claims. 

That’s where we come in. At St. Andrews Insurance, we take time to understand your goals, risks, and lifestyle or business needs—then explain your options in plain language. Whether you're protecting a home, a fleet, or a growing company, we’ll help you choose coverage that fits today and flexes for tomorrow. No pressure, just honest guidance.

Renters insurance protects your personal belongings—like furniture, electronics, and clothing—if they’re damaged, stolen, or destroyed due to things like fire, theft, or water damage. It can also cover liability if someone gets hurt in your rental and helps with temporary living expenses if your unit becomes unlivable. It’s an affordable way to protect what’s yours, even if you don’t own the space. Contact us today or check out our renters insurance page.