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Frequently Asked Questions

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How do I access my policy online?

You can manage your policy anytime through your carrier’s website or mobile app. This allows you to view documents, download ID cards, request roadside assistance, and make payments.

Use the correct link below based on your policy:

You can also download your carrier’s app from the Apple App Store or Google Play Store.

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What is the Signal® by Farmers program?

Signal® is a safe driving app that tracks your driving habits and may help you earn discounts.

How do I get started?

  1. Enroll in the Signal program first

  2. Download the app from your app store

  3. Log in and enable all permissions

  4. Drive as normal—trips are tracked automatically

  5. Watch setup instructions here: https://youtu.be/uMQZnzaUkn0

Important Tips:

  • Keep the app installed and running

  • Enable location services and motion sensors

  • Connect to Wi-Fi daily

  • Stay logged in

  • Invite all drivers on your policy

Need help? Call 1-800-709-7821

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What is PIP opt-out and what do I need to submit?

If you opted out of Personal Injury Protection (PIP), you must provide proof of Qualified Health Coverage.

Accepted Documents:

  • Medicare Card

  • Medicaid Card

  • Qualified Health Coverage (QHC) Letter

⚠️ Failure to submit these documents on time may result in:

  • Higher premiums

  • Changes to your policy

 

How can I make a payment?

You can pay your bill:

  • Through your carrier’s website or mobile app

  • By calling: 616-818-1202

  • For after hours By calling: 1-888-327-6335

 

How do I get help after business hours?

If you need assistance outside office hours:

  • Farmers: 1-800-435-7764

  • Bristol West: 1-800-274-7865

  • Foremost: 1-800-435-7764

Our office hours are Monday–Friday, 9 AM – 5 PM at 616-818-1202.

 

How do I file a claim?

Claims support is available 24/7 through your insurance carrier.

Claims Phone Numbers:

  • Bristol West: 1-888-662-6616

  • Foremost: 1-800-752-2461

  • Farmers: 1-888-327-6335

Be prepared with:

  • Policy number

  • Date, time, and location of incident

  • Description of what happened

  • Photos or supporting documents

After filing, our agency is here to help guide you through the process.

 

Will my home be inspected?

If you have a homeowners insurance policy, your inspection will fall into one of two categories: Self-Inspection or a CIS Inspection.

Self-Inspection:
Just as it sounds, you’ll receive an email with a link prompting you to complete a home inspection on your own.

CIS Inspection:
This inspection is completed by a third-party company, CIS, which conducts full home evaluations. If your policy requires this, you will be contacted within 28 days of your policy’s effective date to schedule a time for a CIS representative to inspect your home.

What does a home inspection include?

Inspectors typically review:

Exterior

  • Siding, soffits, foundation, walkways

Roof

  • Shingles, gutters, chimney condition

Safety

  • Smoke & carbon monoxide detectors

  • Railings and structural safety

Interior Areas

  • Attic (insulation, leaks)

  • Basement (cracks, water damage)

  • Plumbing & electrical systems

  • HVAC systems

Not typically included:

  • Appliances

  • Mold or air quality testing

  • Radon, asbestos, or lead testing

  • Pools or outbuildings

  • Hidden/inaccessible areas

What happens during policy renewal?

Before your renewal date, you may need to sign documents to keep your policy active.

How to sign:

  • Through DocuSign (email link)

  • Through your carrier’s website or mobile app

 If you opted out of PIP, you must submit an updated QHC letter to avoid rate increases.

What if I still have questions?

We’re here to help!

📞 Call us: 616-818-1202
🕘 Hours: Monday–Friday, 9 AM – 5 PM

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