Insurance FAQ’s

General • Life • Auto •  RV & Motorhome • HomeownersRenters • CondoHealthUmbrellaFloodGeneral LiabilityWorkers CompensationTravelersLandlord • Earthquake

General FAQ’s

What kinds of questions should I be expected to answer when I am applying for an insurance policy?

Will my insurance costs go up if I file a claim?

How do insurance companies assess risk?

Why an independent agency?

Life Insurance

How much life insurance should an individual own?

When should you buy life insurance?

What factors will raise my life insurance costs?

Auto Insurance

What factors can affect the cost of my automobile insurance?

How does the kind of car I drive affect my insurance rate?

Do I need rental car insurance?

Does my car insurance cover me if I drive someone else’s car or someone drives my car?

Is it true that red cars are more expensive to insure?

If I deliver something like pizza, does my car insurance cover me? 

RV & Motorhome Insurance

Is it time to winterize my RV?

Homeowners Insurance

Do I have to get homeowners insurance if I own a home?

What are some practical things I can do to lower the cost of my homeowners insurance?

What factors should I consider when purchasing homeowners insurance?

What are some surprising things covered by home insurance?

What is valuable articles coverage?

What is dwelling coverage?

What home alarms do I need?

Do I have enough coverage for my jewelry? 

How could my swimming pool affect my home insurance?

Renters Insurance

Why would I want to buy renters insurance?

How does a renters policy protect my personal property?

Why do some apartment complexes require tenants to have renters insurance?

What if I share my apartment with a roommate? Do we both need to have renters insurance?

What does renters insurance cover while moving?

Condo Insurance

What is loss assessment coverage and what does it cover? How much coverage do I need?

Health Insurance

Do I need health insurance and is it required?

Will my Fitbit affect my chance of getting health coverage?

Umbrella Insurance

What is a personal umbrella liability policy?

How do I know if I need a personal umbrella liability policy?

Flood Insurance

What is covered by flood insurance and how are flood claims reimbursed?

What is the National Flood Insurance Program and how does it help us? 

General Liability

What does general liability insurance cover?

Worker’s Compensation

What should you do if you are injured at work?

Travelers Insurance

What is travel insurance and why do I need it?

What are some common scenarios that can occur while I am traveling and what should I do in the case of these events?

Landlord Insurance

What is landlord insurance and is it required?

What does landlord insurance cover?

Earthquake Insurance

What does earthquake insurance cover and why should you consider getting it?

Why is earthquake insurance important and why might I need it?

How can I prepare for an earthquake and how can I stay safe while it occurs?

Check back next week for more questions! For more specific questions, give us a call at (415)-386-2283.

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