Insurance FAQ

Auto insurance is designed to protect you financially. If you are responsible for injuries, you may be held liable for the injured person’s vehicle repairs, medical expenses, therapy and loss of wages. All states require you to be financially responsible when driving a car. Depending on the state, you may be legally required to have auto insurance.

Most states require that you carry a minimum amount of liability coverage. Liability insurance pays for damages if you become legally liable due to resulting body or property damage. Beyond that, you have many choices, ranging from different types of coverage, the amount of coverage and deductibles.

Most states require that you carry a minimum amount of liability coverage. Liability insurance pays for damages if you become legally liable due to resulting body or property damage. Beyond that, you have many choices, ranging from different types of coverage, the amount of coverage and deductibles.

  • Your driving record
  • Where you’re vehicle is garaged
  • The make, model and year of your vehicle
  • Your age and /or gender
  • Youthful operators
  • How you use your vehicle / daily miles to work etc
  • Increase your deductible
  • Drive safely
  • Meet the requirements for one of the many discounts: multiple auto, multiple line, good student, etc
  • Marital status
  • Number of people in your family
  • Change in use of vehicle
  • Driving records

Yes, if it is included in your policy. To verify if you have rental coverage please contact us.

Keep detailed records of personal property including receipts, serial numbers, appraisals and the name and addresses of appraisers with these descriptions.

  • Don’t forget to inventory what’s in your closets, attic and basement
  • Videotape or photograph your inventory
  • Take a photograph with your closet door open to indicate the quantity of your clothes
  • Keep your inventory up-to-date

Typically homeowner’s insurance covers your liabilities if a guest falls and requires medical care. The amount of liability coverage is determined by your policy limits.

Unlike auto insurance you are not required by law to have homeowners insurance by your mortgage company may require it

Yes. Renters can purchase policies very similar to homeowners that cover personal property, liability, medical expenses etc., the renters policy simply does not cover the actual dwelling.

There is a wide variety of damages, conditions, and costs that are not covered by homeowner’s insurance. For example:

  • Your claim exceeds your maximum stated coverage amount
  • You have flood damage
  • You have losses related to business activities in your home and you do not carry incidental business insurance
  • Your claim is covered by other insurance
  • Someone else who is intentionally insured under your policy caused your claim

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