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General Insurance FAQ’s

Why do I need insurance?

Buying insurance is buying peace of mind. When you have something of great value, like a house or a car, you want to make sure you have the financial capability to fix or replace it when something bad unexpectedly happens to it. Insurance helps share the risk you take when buying something of great value. It is impossible to avoid accidents and claims, but having insurance will allow you the peace of mind to know you are covered in the event of a loss. 

How does insurance work?

Insurance is like a safety net for unexpected events in life. When you pay your regular premiums, you are chipping in with a bunch of other policyholders, creating a pool of money. Then, if something covered by your policy happens, like a car accident or a house fire, the insurance kicks in to help you out. It’s like having a financial backup plan to soften the blow when you have an unexpected event. 

What are the different types of insurance?

Various insurance types include auto, home, life, health, renters, business, and specialty insurance, each tailored to address specific needs and risks. Insurance is a variable business. This means that every single person or business that needs insurance will end up with different coverages, catered to their individual needs. Being that McMichael Insurance has been in business for so long, we have the experience to know how to cater to those individual needs. 

Can I have multiple insurance policies with different providers?

It’s totally fine to have multiple insurance policies with different providers. Just keep in mind that it’s a good idea to think about how they work together. You’ll want to make sure the costs and coverage align well to make sure you have all your bases covered.

How can I bundle insurance policies to save money?

You can reduce your insurance costs by bundling multiple policies with the same insurer. This often results in discounts and simplifies managing your coverage. With an independent agent like McMichael, we take all of the guess work out of this. We will find you the best coverages for the right price. 

What is the benefit of dealing with an independent insurance agent?

An independent insurance agent, like McMichael Insurance Agency, is your personalized guide in the insurance world. We are unlike agents tied to one specific company, such as those that work at large national brands (State Farm, Allstate, etc.) that pump billions into advertising. We have the freedom to offer policies from over 30 “A” rated insurers. This means you get a professional agent who’s seen various situations and dealt with thousands of claims, and recommend the right insurer for your particular situation. We are here to recommend the right coverage for you and your family, and/or for your business. We will also provide you with ongoing support after the sale, including guiding you through filing a claim and assisting in making changes to your policy. We think you deserve a dedicated representative, not a toll-free number with people you don’t know.

How can I find the best insurance rates?

Your best bet is to enlist the help of an independent agent, like McMichael. We have the advantage of shopping among all the top-rated carriers we collaborate with, ensuring you get insurance at a fair rate. What sets us apart is not just finding the best deal but also leveraging our extensive knowledge to guarantee you have the optimal coverage, fully safeguarding both yourself and your assets.

What is a deductible in insurance?

A deductible in insurance is the out-of-pocket amount you’re responsible for before your insurance coverage kicks in during a claim. It plays a crucial role in defining the extent of your financial responsibility in the context of insurance.

How can I lower my insurance deductible?

You can change your deductible by calling your carrier or agent to do so. It is important to keep in mind the cost and benefit of lowering your deductible. Once lowered, you will have to pay less out of pocket in the event of a claim but you will pay more premium. We can help you decide if this is is a wise decision or not. 

How do I decide if a higher deductible is right for me?

A higher deductible means you will have to pay more out of pocket in the event of a claim. In exchange for this, however, you would be paying less premium for the coverage associated with this deductible. It is important to weigh the extra cost or savings in premium with the change in deductible amount. This is something we can help you decide. 

What if I want to cancel my insurance?

You have the freedom to cancel your insurance policy at any time. Just keep in mind that the process might come with penalties or involve receiving a refund for any unused premiums. The specifics depend on the terms and conditions set by your insurance provider. We can help you obtain this information. 

How does a lapse in insurance coverage affect me?

A lapse might lead to higher premiums because of the loss of continuous insurance discounts that were initially applied. Contact our office as soon as possible so we can work through your options.

How do I file a claim?

When you face a loss or damage, filing an insurance claim is your way to use coverage. Just get in touch with your insurance company, share the required information and documents, and then follow their specific claim procedures. It’s like reaching out for help, and they’ll guide you through the rest. McMichael is also able to help you through the claims process if you do not submit it directly to your insurance company. 

How long does it take to process an insurance claim?

The processing time for an insurance claim varies depending on the complexity of the claim, the insurer, and the type of insurance. Simple claims may be processed within days, while more complex cases may take several weeks.

What is umbrella insurance, and why might I need it?

Think of it as an extra layer of liability coverage beyond your regular policies. It steps in for substantial claims or lawsuits. It’s especially key for folks with significant assets or those seeking an added layer of security. We always recommend that you purchase an umbrella policy to have that extra peace of mind. 

What is an insurance underwriter?

An insurance underwriter is the risk expert in the insurance world. They evaluate risks and figure out the nitty-gritty details of insurance policies—deciding on terms and pricing. They play a crucial role in helping insurance companies make smart choices about who to insure and what kind of terms to lay out.

What is an insurance declaration page?

An insurance declarations page provides very important information that is specific to you. This includes your name, address, policy number, coverage term, property insured, and limits of insurance and/or deductibles. A declaration page only one part of what constitutes the insurance contract.  To properly understand coverage, the policy must be understood in the entirety of the forms and endorsements that make up the policy.

How does insurance cover theft and vandalism?

Coverage for theft and vandalism depends on your policy type and terms. Many insurance policies, such as homeowners and auto insurance, provide coverage for these types of losses, but the extent of coverage can vary.

What is an insurance endorsement, and when is it needed?

An insurance endorsement is a policy amendment that adds, modifies, or removes coverage. It is used when policyholders need to make specific changes to their existing insurance policies, tailoring them to their evolving needs.

What is subrogation in insurance?

Subrogation is the process by which your insurer seeks reimbursement from a third party who is responsible for causing a loss or damage that your insurance company has covered. It helps the insurance company recover some of the funds they’ve paid out.

What is co-insurance, and how does it work?

Co-insurance is the percentage of costs you share with your insurer after meeting your deductible. It’s an arrangement where you and your insurance provider split the expenses for covered services, often with you paying a specific percentage.

What is an insurance exclusion, and what should I be aware of?

Think of an insurance exclusion as the “not covered” section of your policy – it’s situations or items specifically left out. To safeguard your coverage, it’s crucial to give your insurance policy a thorough read so you know exactly what’s excluded. These exclusions can be significant, so being aware of them is key to understanding the full scope of your coverage.

Home Insurance FAQ’s

What is homeowners insurance, and what does it cover?

Homeowners insurance is a vital protection for your home. It doesn’t just cover your house but also extends to your personal belongings. Additionally, it offers liability coverage, safeguarding you in case of damage, theft, or legal matters. This type of insurance is crucial for securing your most substantial investment – your home.

How do I determine the right coverage for my home?

To figure out the right home insurance coverage, start by calculating the rebuilding cost of your home and evaluating the value of your possessions. Make sure your policy sufficiently protects all your assets. For personalized assistance, consider having one of our insurance professionals guide you through the process to ensure you get the coverage that suits your needs.

What is renters insurance, and do I need it?

Renters insurance is a safeguard that shields your personal belongings and provides liability protection for renters. It ensures financial security in unforeseen events such as theft, fire, or accidents. Whether you need it depends on your unique situation, but in general, it’s a smart choice to guarantee peace of mind and protect your possessions in rental situations.

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

If your neighbor’s tree falls on your house, your insurance policy would cover the claim for the direct damage to your home. It doesn’t matter whose tree it is; your insurance takes care of the repairs. In the event that your neighbor is found responsible for having a knowingly unsafe tree, your insurer may seek reimbursement from them for the expenses they covered on your behalf. This way, your coverage addresses immediate concerns, and any responsibility issues are dealt with afterward if needed.

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

If your trees are blown down in a windstorm, it’s worth noting that most homeowners’ policies usually exclude coverage for the damage to the trees themselves. However, there’s typically a provision for up to 5% or $500 for debris removal of trees if their fall results in damage to a covered structure. So, even though the policy may not directly cover the fallen trees, there is an allowance for the removal of debris to address any damage caused to covered structures. For precise details on coverage limits and conditions, it’s recommended to review your specific policy.

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

Insurance policies for college students can vary among providers. Some may offer coverage equal to 10% of your personal property limit for off-premise locations, while others may limit it to dorm rooms only. If your student plans to rent an apartment or lives away from school, it could be a good idea for them to have their own renter’s insurance. Also, consider liability coverage, especially regarding whether your student’s residence qualifies as an insured location. For personalized advice, feel free to reach out to one of our professionals for guidance.

Do I need Sewer or Water Backup Coverage?

We highly recommend considering Sewer or Water Backup coverage. With the growing construction of homes and shopping centers, existing sewer systems can be strained, particularly during and after rainstorms. When these systems can’t handle the excess water, your home might be at risk. While standard homeowners policies typically exclude this type of loss, we can often add specific coverage for Sewer or Water Backup. This is especially crucial if you have a finished basement, store belongings in an unfinished basement, or have vulnerable appliances like a furnace or hot water tank. Adding this coverage provides an additional layer of protection tailored to potential risks associated with your property.

How often should I have my valuables or jewelry appraised?

It’s a good idea to have your valuable items, especially jewelry, appraised at least every five years. This regular schedule ensures that the values of your possessions stay current. If your valuables appreciate rapidly or if there are significant market changes, more frequent appraisals may be recommended. Taking this proactive approach helps you maintain accurate and up-to-date coverage for your prized possessions, ensuring that your insurance reflects the true value of your valuable items.

Why is my Homeowners Insurance limit more than my home’s market value?

The Homeowners Insurance limit can be higher than your home’s market value because it is calculated based on the reconstruction cost rather than the current market value. The insurance aims to cover the cost of rebuilding your home in case of damage or loss, taking into account construction and labor expenses. This approach ensures that you have adequate protection and won’t face substantial out-of-pocket costs in the event of a claim. Despite economic fluctuations affecting market values, insuring your home for its reconstruction cost provides a more accurate and comprehensive level of coverage.

How does insurance protect against natural disasters?

Insurance safeguards against the financial impact of natural disasters by providing coverage for damages caused by events like hurricanes, earthquakes, or floods. The extent of this protection depends on the specific policies and endorsements you have in place. Insurance acts as a financial safety net, enabling you to recover when your property is affected by these natural disasters. It’s crucial to review and understand the specific coverage options within your policy to ensure comprehensive protection against the risks posed by such events.

What is an insurance appraisal, and when is it needed?

An insurance appraisal is an evaluation that determines the value of specific property, often necessary for high-value items such as art, jewelry, or antiques. This appraisal is essential to ensure that you have sufficient coverage and receive appropriate compensation in the event of a loss. By accurately assessing the value of these items, an insurance appraisal helps guarantee that your insurance coverage aligns with the true worth of your valuable possessions, providing you with the financial protection you need.

Home Insurance 101: Back-up of Sewers and Drains

Backup of Sewers and Drain coverage is an optional endorsement which provides protection for your dwelling and personal property losses caused by water that backs up through a sewer or drain pipe. Coverage also applies from water that has entered into the area from a sump pump that has overflowed. For example, the sewer backs up through your drain pipe, releasing water into the basement and ruining furniture, clothing and children’s toys. The damage is covered, less your deductible. There is a limitation in coverage, equal to the limit listed on your homeowner declaration page (ie $10,000). McMichael Insurance recommends you carry Back-up of Sewers or Drains when your lowest level is finished, which includes slab homes and finished basements.

Auto Insurance FAQ’s

Why is it necessary to have auto insurance?

Auto insurance is crucial because it provides coverage for any damages or liabilities associated with vehicles and accidents. It’s not just about financial protection; it’s also about complying with legal requirements, which can vary depending on your location. Having auto insurance safeguards both your wallet and your legal standing on the road.

How can I save on car insurance premiums?

You can lower your car insurance costs by bundling policies (combining multiple types of coverage with the same insurer), maintaining a clean driving record, opting for a higher deductible, and utilizing carrier specific programs to help lower your costs. We can help you analyze these options your carrier offers to help maximize your savings. 

What factors affect my auto insurance rates?

Your auto insurance rates are determined by various factors. Your driving history plays a significant role, reflecting your track record on the road. Age, location, and the type of vehicle you drive also come into play. The level of coverage you choose is crucial, as more comprehensive plans may have higher premiums. Additionally, some insurers consider your credit score when setting rates. Allowing the insurance professionals at McMichael help you find the right balance between being covered completely and trusting us to get you fair rates is the best thing you can do for yourself. 

Can I get better auto insurance rates after my driving record clears up?

The majority of insurance companies regularly review your driving record, typically looking at a three-year history (though some may extend to five years) upon each policy renewal. As your driving record improves, you have the potential to qualify for better auto insurance rates. This ongoing assessment means that your current insurer monitors the driving records of all household members and adjusts rates accordingly during each renewal period. As your record clears up, you may see improvements in your insurance rates.

Car Insurance 101: Roadside Assistance, Loan/Lease Payoff, and Rental Reimbursement

Roadside Assistance coverage: With Roadside Assistance, we pay for towing services when your vehicle breaks down due to mechanical or electrical issues, a dead battery, a flat tire, a lock-out, or if you run out of gas. Loan/Lease Payoff coverage: With Loan/Lease Payoff coverage, also known as Gap coverage, we pay the difference between the settlement amount and the amount you owe your lender if we total your vehicle. If you lease your vehicle or have a loan, you can buy Loan/Lease Payoff coverage. Rental Reimbursement coverage: With Rental Reimbursement coverage, we pay for your rental car while your vehicle is being repaired. You can buy Rental Reimbursement if you have Comprehensive and Collision coverage. We’ll pay for 30 days of rental, up to the maximum per-day amount shown on your Coverage Summary.

Car Insurance 101: Uninsured/Underinsured Motorist

Uninsured Motorist (UM) coverage: With Uninsured Motorist coverage, we pay medical expenses, lost wages, and pain and suffering when you’re in an accident caused by a driver who has no insurance to cover these expenses. We pay up to the limits you chose when you bought the policy.

Underinsured Motorist (UIM) coverage: With Underinsured Motorist coverage, we pay the under the same guidelines as Uninsured Motorist coverage, but with one variation. This coverage pays for an accident caused by a driver who has insurance, but doesn’t have enough insurance to cover your expenses. We pay up to the limits you chose when you bought the policy.

What is GAP coverage and when is it necessary?

Gap insurance covers the difference between the value of your vehicle and the remaining loan amount if your vehicle is totaled. This coverage is especially beneficial when you owe more on your vehicle than its current market value. It helps prevent financial gaps in coverage that could otherwise leave you responsible for paying off a loan on a vehicle that’s no longer drivable. Gap coverage is recommended in situations where the loan amount exceeds the depreciated value of the car.

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

Insurance coverage for the DVD player in your minivan can vary depending on your insurance provider. Many policies may exclude coverage for sound equipment installed outside the manufacturer’s designated location. To get a clear understanding of your own coverage, we always welcome you to call our office and we can clarify for you. 

If your current coverage doesn’t include the DVD player, you can usually add coverage through an endorsement. This ensures that your specific needs, such as coverage for aftermarket installations, are addressed in your policy. 

If I loan my car to a friend, whose insurance pays in the event of an accident?

Typically, the car owner’s insurance covers accidents caused by a friend to whom the car is loaned. However, it’s important to note that some insurance policies may either make the owner’s insurance secondary or impose limits on liability coverage for non-listed drivers.

For added protection and clarity, it’s generally recommended not to loan your car unless the borrower has their own insurance and a valid driver’s license. This helps ensure that, in the event of an accident, there is adequate coverage and compliance with insurance terms. Always check the specific terms of your policy and, when in doubt, give us a call to clarify any questions you may have.

Can anyone drive my vehicle?

Any licensed non-household driver that operates your vehicle with your permission will be insured under your policy. It’s important to exercise caution, especially when it comes to drivers with a suspended license, as this could potentially lead to vehicle impoundment. For more detailed information, you may want to review our article on “Who’s insurance pays if I loan my car to a friend.”

Should I always call to add a new car to my policy?

It’s crucial to always call and add a new car to your insurance policy. While the dealer may take on this responsibility, relying on them could result in uninsured periods. Only the policyholder is authorized to call us to make changes to the policy, ensuring that the new car is promptly and properly added. Taking this proactive step helps avoid potential gaps in coverage and ensures that your insurance accurately reflects your current vehicle situation.

If I have a company car and get into an accident on vacation, whose insurance pays – mine or the company's?

In the event of an accident with a company car while on vacation, it’s advisable to have “extended non-owned coverage” added to your personal policy. This extra coverage is relatively inexpensive and provides protection in situations where you’re using a company vehicle for personal reasons. To ensure you have this safeguard in place, contact us, and we can help you add this coverage to your policy if you regularly use a company car. It’s a small cost for added peace of mind.

My child is getting their temps, when do I add them to our auto policy as a driver?

Typically, you can add your child to your auto insurance policy once they obtain their permanent driver’s license. However, it’s essential to be aware that certain insurers may require the new driver to be added as soon as they receive their learner’s permit or temporary license. To ensure you are in compliance with your specific insurance policy, and to discuss the best timing for adding your child, please give us a call. We can provide personalized guidance based on your insurer’s requirements and your individual situation.

Should I buy insurance from the rental agency when renting a car?

Your liability coverage transfers, and your policy may cover damages, but there are gaps, like loss of use charges. Rental insurance covers these gaps, including diminished value. While the decision is yours, buying rental company insurance is recommended for comprehensive coverage.

Do I need anything special to drive in Canada during my vacation?

Your existing insurance typically covers driving in both the U.S. and Canada. However, to drive in Canada during your vacation, you’ll need to carry a valid passport and a Canadian car insurance ID card. Make sure to contact our office before your trip to obtain the necessary insurance documentation, ensuring that you have the required coverage and paperwork so there is no stress during your vacation.

Will my auto policy cover my son delivering pizzas part-time?

It varies based on the insurance company and policy. Some insurers explicitly exclude coverage for business use, including delivery. It’s recommended to review your policy and, if necessary, consider obtaining a business auto policy to ensure proper coverage. Using personal cars for delivery may lead to claim denials, so it’s wise to be informed about your policy’s specifics. We are more than happy to help you find commercial insurance if necessary. 

Is it required to get ATV registration?

In Ohio, ATV registration has been mandatory since 2009. The Bureau of Motor Vehicles requires registration by July 1, 2009, along with obtaining a license plate and validation from July 1, 2010. However, there are exemptions for farming use. Initially, financial responsibility wasn’t required unless using ATVs on public roads, but now, owners must complete a financial responsibility affidavit during registration.

Owners are also obligated to carry ATV/motorcycle insurance. Notifications about registration are conveniently sent through email and social media. If you have any further questions about this, please feel free to contact us to speak with one of our insurance professionals.

If I buy a newer vehicle when your office is closed, am I covered even if I can't call immediately to add it to my policy?

If you buy a new vehicle when your insurance office is closed, you’re automatically covered for liability. However, coverage for the new vehicle varies among insurers. Some offer the same coverage as the replaced vehicle, while others extend coverage with the broadest terms applicable to your existing autos. To ensure comprehensive coverage, contact your insurer before taking delivery, and follow up the next business day to make any necessary adjustments to your policy.

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

Typically, but not always, insurance companies cover the cost of repairing windshield chips as it is a cost-effective measure for both you and them. However, if the damage is extensive and requires the entire windshield to be replaced, then your Comprehensive (or Other Than Collision) deductible will apply. It’s a good idea to review your specific policy terms and conditions, but in many cases, insurance providers prioritize chip repairs to prevent the need for more expensive replacements.

Business Insurance FAQ’s

How does business insurance protect my company?

Business insurance serves as a protective shield for companies, guarding against a range of risks. It provides coverage for liability claims, property damage, and business interruptions, among other potential challenges. This protection is crucial for companies, as it enables them to continue their operations without facing substantial financial losses in the face of unforeseen events and circumstances. 

What is general liability insurance, and why do businesses need it?

General liability insurance is a crucial coverage that protects businesses from third-party claims related to injury or property damage. This type of insurance is designed to cover legal expenses, medical costs, and potential settlements or judgments that may arise from such claims. It is a fundamental aspect of risk management for businesses, providing essential protection against potential legal and financial liabilities. Without general liability insurance, businesses may be exposed to significant financial risks in the event of lawsuits or claims made by third parties.

What is professional liability insurance?

Professional liability insurance, also known as errors and omissions insurance, covers professionals against claims of negligence, mistakes, or inadequate services. It is essential for anyone in a professional field, providing protection against potential lawsuits.

How does workers' compensation insurance work?

Workers’ compensation insurance offers benefits to employees who sustain injuries on the job. This coverage encompasses medical expenses and lost wages, serving to support injured workers in their recovery and facilitate a return to work. Simultaneously, it helps reduce employer liability by providing a structured mechanism for handling workplace injuries and related financial implications.

What is an insurance premium audit?

An insurance premium audit is a standard procedure for many business insurance policies, ensuring accurate premium calculations. It validates the exposure basis used to determine liability premiums. For instance, businesses with varying sales volumes may pay premiums based on their work output. The audit evaluates the actual work output during the policy term, adjusting premiums accordingly. Methods can include phone verification, a physical audit of records, or a report completed by the insured. The goal is to align premiums with real business activity, promoting fairness in insurance cost assessments. For more insights, you can refer to articles like “Subject To Audit” and “Seven Ways To Reduce Your Insurance Costs At Audit.”

I don’t know much about insurance or risk management. What do you do?

Insurance policies are a backstop to prevent you from suffering financial loss in the event of a claim, whereas our risk management services benefit you by helping to avoid the claim in the first place. Claims can be disastrous for a business, so why not work to prevent them in the first place?

What are the basic licensing standards for the insurance industry?

Insurance professionals are licensed at the state level by a state board of insurance. The state of Ohio requires five days of classroom work, or self-study, followed by a background check and successfully passing an exam. Continuing licensing requires 24 hours every two years plus three hours of ethics coursework.

Why does my insurance company value buildings so much higher than what I would receive in a sale?

The simple answer is that most of the time buildings are required to be insured on the basis of the cost to reconstruct them after a loss, whereas the sale price is determined by market conditions.

Does Insurance-to-Value apply to other types of property or just to buildings?

Insurance-to-Value is a concept that cuts across all property insurance, including items defined by the policy as buildings, business personal property, contractor’s equipment, business income, and various other types of property.

What is Insurance-to-value?

In property insurance, Insurance-to-Value is a requirement that says property must be insured to a certain predetermined minimum amount of insurance in order to collect the full amount of a partial loss. If a business owner fails to satisfy the Insurance-to-Value requirements, a penalty is invoked on the loss.

How is Insurance-to-value determined?

Insurance-to-value is determined using computer modeling in the insurance industry. The policy section addressing this begins with the words “When the value of your property is…” Insurance agents navigate this reality, assisting business owners in understanding and addressing these policy aspects that can be detrimental if not handled properly.

What are the penalties that may be imposed if I do not have proper insurance-to-value?

Failure to maintain proper insurance-to-value on a property insurance policy can result in penalties. Typically, a policy requires a building to be insured for 80% of its full replacement cost. For example, if a building’s replacement cost is $250,000 with an 80% insurance-to-value requirement, the minimum insurance needed is $200,000. If a business owner insures for only $100,000, they are considered 50% underinsured, leading to only half of the settlement for any loss.

Insurance Coverage Definitions

Full Glass (No Deductible Applies)

Full Glass pays the full cost of glass repair or replacement without a deductible as long as your car includes physical damage coverage for “Other Than Collision

New or Better Car Replacement

New or Better Car Replacement changes the loss settlement in the event of a total loss. Instead of the typical actual cash value settlement, these options provide additional money to upgrade your car to a newer model year. Options vary by insurer, but may include New Car Replacement, Purchase Price Guaranty, Newer Car Replacement, or Actual Cash Value plus 25%.

Lease / Loan Gap

If your vehicle suffers a total loss from a covered loss, Lease/Loan Gap will pay the difference between the vehicle’s actual cash value and the amount owed on the leased or loan for that vehicle.

Vacation Emergency Expense

Vacation Emergency Expense provides coverage for lodging and necessary extra expenses such as transportation, when you are involved in a covered loss occurring over a certain distance from your normal garaging address.

Original Manufacturer New Parts

OEM coverage assures you that, in the event of an accident, your vehicle will be repaired using Original Equipment Manufacturers Parts that the car’s manufacturer would have use when originally building the car. Without this endorsement an insurer has the option to use low cost aftermarket parts when repairing the vehicle.

Rental Reimbursement

Rental Reimbursement provides for the rental of a vehicle if your covered auto sustains damage from a covered loss and is undriveable.

Towing / Roadside Assistance

Towing and Roadside Assistance provides wrecker dispatch services for disabling events caused by mechanical breakdown, flat tires, or running out of gas.  

Replacement Cost Dwelling Plus

Replacement Cost is generally available depending on the age of your home, but Dwelling Plus options are available to provide added protection against increased building costs. Options include Dwelling limit plus 25%, Dwelling limit plus 50%, and Dwelling Replacement Guaranteed.

Ordinance or Law / Code Upgrade

During the rebuild process after a covered loss, Ordinance or Law coverage pays the expense to bring your home up to currently required building codes.

Assisted Living Coverage

Assisted Living Coverage provides property and liability protection for family members for whom you hold power of attorney. Coverage extends to that family member’s property in a nursing facility, and any personal liability that may arise because of their actions.

Identity Fraud

Identity Fraud provides remediation expenses when an insured’s identity has been fraudulently compromised. Identity Theft coverage indemnifies insureds for costs associated with restoring one’s financial identity.

Equipment Breakdown

Equipment Breakdown provides protection for damage to your home’s electrical or mechanical equipment resulting from sudden and accidental mechanical breakdown, including damage by artificially generated electrical current. Equipment Breakdown coverage also provides coverage for rupture, bursting, bulging, implosion, or explosion or steam operated equipment or pressure vessels.

Sewer or Drain Backup

Coverage may be added for water that backs up through sewers, drains, or sump pumps.

Other Structures Increased Limit

The typical homeowners policy extends 10% of the Dwelling limit for structures not attached to your home. Increase coverage for other structures is available when the base 10% limit is insufficient.

Cyber Risk / Internet Liability

Cybercriminals may cause loss, corruption, or destruction of data files and programs, and may result in a breach of sensitive personal information or holding your files for ransom. Cyber Protection pays the cost of a technology firm to restore the electronic device and its programs, help restore the financial losses suffered by the breach, and provide forensic IT review to determine the extent of the breach and identity of the affected individuals.


Flood Insurance is generally required prior to closing a new mortgage. However, it is estimated that nearly 30% of all floods occur in low to moderate risk areas. Flood Insurance is readily available through the Federal Emergency Management Agency and can be secure through our office upon request.

Replacement Cost

Replacement Cost Contents changes the loss settlement to replacement cost with new items. 

Special Form Contents

Special Form Contents coverage expands the basic causes of loss from named perils to open perils, commonly called “All-Risk” coverage. Coverage is much broader and provides for damage by all causes of loss, except as specifically excluded or limited in the policy.


Provides coverage for loss to your dwelling, other structures, and personal property by earth movement and earthquake, including land shock waves and tremors.

Home Based Business

Home Based Businesses may be covered by a homeowners insurance policy depending on the nature and operations of the business. Coverage may be included for business property, loss of business income, and premises and products liability.

Other Insured Locations

Liability may be extended to Other Insured Locations where the insured occupies on a regular basis, such as children away at school, permanent campgrounds, vacation homes, or rental homes.  

Roofing / Siding Match Coverage

Roofing and Siding Match Coverage provides for the replacement of roof or siding not damaged by a covered loss, but where its replacement is necessary to achieve a reasonable uniformed appearance after replacement of damaged portions of roofing or siding due to a covered loss.

Watercraft / Jet Skis

Boats and other personal watercraft may be added to a home insurance policy. Coverage may be extended for liability and hull coverage.

Can’t find what you’re looking for? No problem, we are always here to help you find answers.