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Insurance coverage cannot be bound or changed via e-mail or fax. No binder, insurance policy, change, addition, and/or deletion to insurance coverage will take effect until confirmed directly with a licensed representative of Scott Agency, Inc. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us in any communications with us. Please contact us to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided herein does not constitute professional advice; if you have legal, tax or financial planning questions, you need to contact a qualified professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and cannot, therefore, endorse or guarantee any information provided by those sites.