A: Your independent agent is local and more likely to understand your unique needs, but each agent has his own in-house underwriter at TW. Although the approach is simple, it is unique in the insurance industry. The agent and underwriter team to come up with an affordable plan that’s right for you. Underwriters play critical roles in every part of the process, starting with the policy itself and right through the claim, often initiated by the underwriter.

A: TW knows that your home is your castle, whether you own or rent. It is also the repository for your personal possessions. TW provides homeowners’ coverage for renters who live in houses, apartments and mobile homes. That includes personal possessions, liability and additional living expenses you may need if your home is no longer available. TW also offers coverage for business rentals and tenant-occupied farms.

A: We recommend contacting your independent agent who can set your claim in motion. In an emergency requiring immediate attention outside of normal office hours click Claims on our home page and you’ll find phone numbers for direct access to our in-house adjusters.

A: Whatever your approach to farming, whether you devote your energies to it full-time or engage in agriculture on the side, even as a hobby, TW has a plan for you under farmowners’ protection.

A: TW considers mobile homes, despite representing a distinct minority of housing units, a significant market under our homeowners’ insurance. We do pay attention to pride of ownership and, as is the case with other homes, we’ll cover not only the primary residence, but other structures on the premises and your personal possessions. If you cannot live in the home due to damage or destruction, we can also help you with additional living expenses.

A: As with any coverage questions, we suggest you go right to your independent agent for the answers. If he or she can’t tell you right away, the agent’s easy access to a TW underwriter will give you the answer you seek quickly. Umbrella coverage is offered under all our major lines of coverage— your home, your business and your farm. Our commercial umbrella covers over and above the retained limit of your policy and is essentially a protection against catastrophic loss. Our personal umbrella serves a similar purpose covering net losses beyond the limit of your primary policy that are not business-related.

A: This is what is known as Specialty Insurance. TW covers seasonal businesses like food booths at county fairs or arts festivals under the specialty insurance program. It may cover your sportsman’s club where you gather with fellow members during hunting season. It also covers special occasions like wedding receptions for damages and liability.

A: It’s as easy as going to the “Make a Payment” link on our home page. You’ll need to know your policy number, type in your zip code and go from there to make a one-time electronic funds transfer to pay your next premium prior to the due date.