Frequently Asked Questions

Unless the cause of loss is excluded in the policy, a homeowners policy provides coverage for personal liability, medical payments to others, and accidental direct physical loss to your dwelling.

In addition, the policy provides coverage for your personal property for specific perils including, but not limited to:

• Fire
• Lightning
• Windstorm
• Hail
• Theft

 There's a good chance you will save money by bundling your home insurance with another policy such as your automobile, boat, RV, or life insurance. Your specific savings will vary, depending on where you live, how many policies you bundle, your credit rating, your claim history, and other factors. 

Unfortunately we live in a very litigious society.  If your net worth exceeds the maximum liability coverage you can get via your standard insurance policy, you'll need an umbrella policy to help protect your assets in case you're found liable for an incident that has devastating financial repercussions. 

 A replacement cost policy will pay the amount needed to replace, rebuild or repair your damaged property to its original condition with materials of the same kind and quality. For example, if your hardwood floor is damaged, it can be replaced with the same type of wood. Ask yourself, if you have top grade Pergo / Granite countertops, would you want the same if you suffered a covered loss or would basic/regular work for you? Replacement cost gives you brand new for old, same size, quality. 

While many restaurants carry insurance to cover delivery drivers while making deliveries, it is always important to confirm what they cover prior to accepting the position as a delivery driver. For the Uber/Eats, Lift and Door Dash drivers, you must confirm with YOUR insurance company if the coverage is available on your policy by way of endorsement. Many insurance companies have the ride share endorsement for the Uber and Lift drivers.  

Hopefully the answer to this question doesn't come into play for you. A very good way to get the most accurate evaluation on how much personal property coverage you need is to take a video of each room in your home including basement and garage. Keep the video safely downloaded/filed. Review the video and ask yourself how much each item would cost you if you were purchasing it today. You can also make list going from room to room and estimate how much would it cost to replace everything with new.  Both should give you a very good account of how much coverage you need for your personal property.  

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 

Renters policies provide several benefits. A renters policy will provide compensation for many types of loss to your personal property. 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 the property contained in them. Liability coverage will normally cover your legal obligations to compensate other parties in cases like this as well as for other instances where you are legally liable for damage of loss.