You should review all your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include: Marriage or divorce A child or grandchild who is […]
Generally, the answer is yes, but there are many factors in determining what the rate increase will be.
Generally, the answer is no. One claim is not a cause for concern on the part of insurance companies. But a pattern of claims may result in a cancellation.
The claim process has a few variations, but these are the essential steps once the claim has been submitted to the insurance company: You will be contacted by an insurance company adjuster to gather detailed information about your claim. Often, someone from the insurance company will inspect your auto or property for damage. An estimate […]
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That depends. A business auto policy by itself won’t extend protection to rented autos unless you have amended it. You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage.
That depends on the kind of business you engage in. All businesses need basic liability to protect them against acts of owners or employees for which the business might be considered legally liable. Professional service providers often need special liability protection. Examples might be professional liability protection for lawyers, doctors, architects or software designers. Another […]
Typical policies provide coverage for you and relatives that live with you. So, if your roommate is not a relative you will not be protected under his or her policy. Claims made by your roommate will impact your claims history for at least 3 years.
Renters policies provide several benefits. A renters policy will provide compensation for many types of loss to your personal property, such as theft, fire, and water damage. Renters policies also include liability protection. This can be especially important because a fire, caused by your negligence, could damage a large number of other rental units and […]
Homeowner policies specifically exclude reimbursement for damage caused by flood. Your home may be a significant distance from a major body of water but still be exposed to flood risk. The National Flood Insurance Program has a flood risk indicator on their website. All you have to do is enter your property address and you […]