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Frequently Asked Questions

General Questions

  • How can I find an agent in my area that offers Utica First Insurance coverage?

    On our web site, click the "Find an Agent" button, select your state, then select your city or a nearby city from the CITY list box, and click the Submit button.

  • Do you accept credit card or electronic funds transfer payments?

    Currently, we offer electronic funds transfer payments for all policies types except Boat, Mobile Homeowners, Personal Dwelling Fire, Commercial Fire, Commercial General Liability, and Commercial Inland Marine. We will also accept credit card payments made over the phone or on our web site. See our Payment Options page for more details.

  • What information will my agent require to issue a policy for me?

    It depends on the type of policy, but you should have a copy of your current policy, as well as details concerning any losses or claims you've had in the last three years.


Commercial Lines

  • How do I make a change to my policy?

    Contact your agent and advise him/her of the changes you would like made to your policy.

  • How do I cancel my policy?

    Contact your agent and advise him/her that you no longer need coverage and wish to cancel your policy.

  • Can I switch my policy to another agent?

    Yes, but Utica First must be notified at least 90 days prior to the renewal date of the policy.


Personal Lines

  • How do I make a change to my policy?

    Contact your agent and advise him/her of the changes you would like made to your policy.

  • How do I cancel my policy?

    Contact your agent and advise him/her that you no longer need coverage and wish to cancel your policy.

  • Before I need to file a claim on my homeowners policy, what information should I have on-hand if something is stolen or damaged?

    Keep an inventory of your belongings - complete with makes and models, serial numbers, dates of purchase, original receipts, etc. - along with photographs or videotape of each item.

    Store this information, along with other important papers, away from your home in an easily accessible place - such as your office or a safe-deposit box. Be sure to have photocopies of these documents handy, too, should something happen to the originals.

    Update your list regularly, since your insurance requirements may change.


Claims

  • When should I report a loss?

    As soon as you became aware that something has happened you need to report the matter immediately to your agent. A delay in reporting could jeopardize coverage under the policy.

  • Should I report my claim to my agent?

    Yes. All claims should be reported immediately to your agent. The agent has all of your policy information. The agent can also assist in answering questions about your loss.

  • Do I need to contact a lawyer?

    In the vast majority of cases, no. Utica First will do everything possible to see that you are fairly compensated for any covered loss.