Below are some of the most common questions we receive on Personal Lines Products:
Q: Is water damage and mold covered on my homeowners insurance?
A: You must check your policy because this type of coverage can be excluded or include a limited amount of coverage.
Q: Do pets affect homeowners insurance?
A: Some pets will null and void your coverage. You don’t want to pay for a policy that will deny your claim due to your pet.
Q: What 5 questions should I ask when shopping for homeowners insurance?
- Is my home covered for full replacement cost?
- How much is the deductible on my policy?
- How much coverage do I have on the contents of my home?
- Does my policy include flood coverage?
- Does my policy insure against water damage from sewer backups, sump overflows or water pressure from below the ground surface?
- What is my stuff worth, such as hidden valuables in my home?
- If you have jewelry, fine art or even antiques, you should get these items apraised. You may be surprised at their value.
Q: How do I insure my secondary home?
A: Always make sure you let your agency know this is not your primary home, some insurance carrier require alarms on the home.
Q: How is My Homeowners Premium Determined?
A: Several factors are taken into consideration to decide rates but here are a couple of things you can control; age of the home, construction type and where the home is located.
Q: How is my Auto Premium Determined?
A: Several things are taken into consideration to decide rates but here are a couple of things you can control; driving history, age of the vehicle and were you lives.
Q: Does Getting Married Affect My Car Insurance?
A: Yes, when you are married you should be on the same policy, you can receive a discount.
Q: What 6 Questions Should I Ask My Landlord Before Signing a Lease?
- Are utilities included?
- When is rent due and how do I pay it?
- Is the security deposit refundable?
- Is there 24/7 maintenance if I have an emergency?
- How much notice will you give before entering my apartment?
- What will you do to prepare the apartment before I move in?