A standard homeowner policy provides coverage equal to 10% of the limit for Coverage C of a homeowner policy or $1,000, whichever is greater. This coverage is useful for protecting you while traveling and for other temporary situations. If you have property in excess of these amounts away from home or property that is kept […]
Yes. The association master policy is for coverage to the structure, which you don’t need. However, to get protection for your own possessions and for legal liability related to your own unit, you need your own policy. Many condominium associations will assess unit owners for master policy deductibles. That’s another reason why it is important […]
Many natural disasters, such as hurricanes or tornadoes, are covered in a homeowner policy. Others, like earthquake and flood are not. Let us know if you have any concerns about your protection from loss due to natural or even man made disasters; we’ll be happy to review your insurance program and let you know what, […]
Your automobile policy protection is extended to anyone you grant permission to drive your car. You do not need to explicitly provide permission; the other person only needs to have a reasonable belief that they are driving with permission.
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.
In most cases the other driver’s insurance policy would respond and reimburse you for damages to your vehicle, property, or injuries. In some cases, as when you or your passengers are injured and the other driver has inadequate or no insurance, coverage from your own policy may apply.
If you own, lease (long term) or finance your vehicle then you will file a claim with your insurance company. Your deductible is the first portion of your responsibility of any loss. For example, if your car has $800 worth of damage and your policy has a $1000 deductible, you will not file a claim […]
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 […]
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.