Jun 28, 2011

My son wants to take a part time job delivering pizzas, will my auto policy cover him for driving my car?

This type of use of a vehicle is exactly the opposite of what insurance is intended to cover.  It depends on the insurance company and what the contract says. Some insurers have very strict exclusions governing the use of a family car for business use ...

Jun 28, 2011

Is the DVD player in my minivan covered on my auto policy?

This really depends on the insuring company. Most auto policies exclude coverage for sound receiving and transmitting equipment, including electronic equipment installed in a location other than the manufacturers designed location. It is alway a good cou...

Jun 28, 2011

My child is going away to college. Do I need renter’s insurance for them?

Insurance coverage and amount of insurance for college students away at school do vary by insurer. Some will give you an amount equal to 10% of your personal property limit for off-premise locations. Others limit the coverage to dorm rooms only. Ideally,...

Jun 28, 2011

How often should I have my valuables or jewelry appraised?

We suggest that you have your valuable items appraised at least every 5 years. This will help keep their values up to date. If your valuables appreciate rapidly then more frequent appraisals are recommended....

Jun 28, 2011

How much coverage do I have if my trees are blown down in a wind storm?

All homeowners policies exclude coverage for wind damage to trees. However, they do provide up to 5%, or $500, for debris removal of trees if they damage a covered structure....

Jun 23, 2011

If my neighbor’s tree falls on my house, whose insurance covers the claim?

Your policy includes coverage for direct damage to your home. This means that we will pay for damage to your home, regardless of whose tree caused the damage. If there is a determination that your neighbor bears some responsibility for having a knowingly ...

Jun 23, 2011

Do I need Sewer or Water Backup Coverage?

Our standard recommendation is to always include some amount of coverage for Sewer or Water Backup. Today, with all of the new homes and shopping centers being built, there is a lot of pressure on the existing sewer systems to handle the run-off water d...

Jun 23, 2011

What is GAP coverage?

When you buy or lease a vehicle and pay for it over time, the possibility exists that you may owe more than the car's actual value. A standard auto insurance policy provides coverage for loss or damage on the basis of the vehicles actual cash value.  I...

Jun 23, 2011

If I get a star chip in my windshield, do I have to pay my deductible to have the windshield repaired?

In most cases, but not always, the insurance companies pay for the chips to be fixed since it saves you and them money. If the damage is to the extent that the glass must be replaced then your Comprehensive, or Other Than Collision deductible will apply....

Jun 23, 2011

My driving record has cleared up now, can I get a better auto insurance rate?

The majority of insurance companies review your driving record upon each renewal. Insurers typical look at a three-year history, although some insurers review the past five-years. This means that your current insurer is monitoring the driving recor...