Category: Insurance FAQ’s

  • What Should I Do if I Hit an Object on the Road?

    Every driver is faced with many different perils while driving. You may be driving down the highway when the tire of the car in front of you bursts and sends rubber and debris flying at your car. Or perhaps you’re driving across a twisting country road at night and a deer unexpectedly jumps in front […]

    October 15, 2018

  • vacant house - unoccupied house insurance

    Unoccupied and Vacant House Insurance

    Unoccupied or vacant home insurance is a type of insurance policy that covers houses that are temporarily unoccupied or vacant. You may find yourself in this situation for a number of reasons such as: Extensive renovations that keep you from staying there Waiting for a home to sell Bought a new home but won’t be […]

    September 19, 2018

  • deer on road: deer auto accident

    Car Insurance and Deer Accidents

    What Should I Do If I Hit a Deer With My Car? Every fall, the number of deer-related accidents spike. Deer have a mind of their own so you may encounter them crossing the road unexpectedly. Insurance Coverage The comprehensive coverage of your insurance policy covers accidents related to animals including deer accidents. After a […]

    September 4, 2018

  • What is Covered by a Basic Auto Insurance Policy?

    Although basic car insurance coverage may differ slightly from state to state, most basic car policies consist of six types of coverage. Keep in mind that each type of coverage is priced separately. This means there is variability in policy limits and pricing. Bodily Injury¬†Liability This coverage applies to injuries that the driver causes to […]

    August 27, 2018

  • Does Homeowners Insurance Cover Broken Pipes or Roof Leaks?

    Broken Pipes and Home Insurance Generally, an all perils home insurance policy does not provide coverage for an actual broken pipe. That being said, the water damage resulted by the broken pipe will usually be covered. Most insurance companies consider the property owner to be responsible for maintaining their pipes (repairing or replacing broken pipes). […]

    August 23, 2018

  • Can I Get Renters Insurance Without a Lease?

    Most landlords and property managers require all tenants to sign a lease when renting their property. However, in some cases you can rent an apartment or house without a lease, especially if you know the owner. It is becoming increasingly common for people to share apartments in unofficial agreements and for college students to acquire […]

    August 15, 2018

  • home insurance policy

    What Does a Home Insurance Policy NOT cover?

    9 Things Your Homeowners Insurance Doesn’t Cover If you think your home insurance policy protects you from any damage to your home, think again! There are many hazards a standard homeowner’s policy does not cover. Here are nine common things your policy may exclude coverage for. Earthquakes A standard homeowner’s policy does not cover damage […]

    August 13, 2018

  • car insurance

    Can Your Insurance Company Drop You After An Accident?

    Getting into a car accident can be very unsettling for many reasons. Many people worry about how multiple claims will affect their auto insurance rates. Will your car insurance company cancel your policy if you have multiple accidents? The first thing you need to know is that cancellation and non-renewal are two completely different concepts. […]

    August 13, 2018

  • Earthquake Retrofitting

    What is earthquake retrofitting and how can you do it? Earthquake retrofitting is the process of making your home safer and less prone to structural damage during an earthquake. This can help you save money on your insurance and repairs. Why should I consider retrofitting my house? Retrofitting can reduce earthquake damage to your home. […]

    June 18, 2018

  • Service Line Coverage for Your Home

    Many homeowners are unaware they have a responsibility to repair or replace any service lines on their property when damage occurs. Damage to lines that provide water, power and communications services can be very costly to repair. In fact, service line failure costs an average of $6,000 per occurrence. What Is Service Line Coverage? Service […]

    June 13, 2018