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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. AUTO INSURANCE
  2. Do I need more than the state minimum Auto Liability coverage?
  3. How does my driving record affect my premium?
  4. Is anyone who drives my car covered?
  5. What is the difference between Comprehensive and Collision
  6. HOMEOWNERS INSURANCE
  7. Is flood covered under homeowners insurance?
  8. Is Hail Damage Covered on My Homeowners Insurance Policy?
  9. What is NOT Covered on my Homeowner Insurance Policy?
  10. What is water back up and sump pump failure insurance?
  11. BUSINESS INSURANCE
  12. Should my small business have Business Income Insurance
AUTO INSURANCE
AUTO Insurance FAQ

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Do I need more than the state minimum Auto Liability coverage?

The quick and easy answer to this is yes. You should have more insurance coverage than the state mandated minimum auto coverage's.

But it all depends on your interpretation of what insurance is for. If you believe that insurance is in place to protect you for your “Worst Day” than the state minimum auto coverage is never going to protect you against that “Worst Day.”

I can’t tell you what level of insurance coverage you should have but I can tell you that the state minimum insurance coverage will not properly protect you in the event something horrible happens.



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How does my driving record affect my premium?

The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records.  


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Is anyone who drives my car covered?

In most cases, yes, as long as they have the permission or reasonable belief from the insured that they can use the vehicle. The insured is the person named on the insurance policy and their spouse if applicable.

There are some exclusions, so you would need to look at your particular insurance policy to make sure. Remember, everyone in your household must be listed on your insurance policy if they have a license. For example, if a girlfriend you live with uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered.



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What is the difference between Comprehensive and Collision
Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it is anything else other than a collision such as fire or theft. Most people would have both coverage's when using the car on a regular basis. Sometimes when one is just storing a car they may only keep comprehensive coverage since they are not using it on the road therefore, it is unlikely to be in a collision.  

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HOMEOWNERS INSURANCE
HOMEOWNERS Insurance FAQ

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Is flood covered under homeowners insurance?

Flood loss is absolutely NOT covered on your homeowners insurance. Flood is covered by a separate individual policy which can be written by standard insurance carriers through our insurance agency but is run by the National Flood Insurance Program.

Rates are set by the federal government so the individual carriers like Travelers Insurance for example just administer the program.

If you are worried about a flood effecting your home you need to go buy a flood insurance policy.



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Is Hail Damage Covered on My Homeowners Insurance Policy?

Hail damage is covered under a Homeowners Insurance policy depending on what form of homeowners insurance policy you purchased.

A Broad or Special form policy will provide coverage in most cases. However, if you have a Basic or Fire Only homeowners insurance policy it is very likely you will not have coverage.

It is of the utmost importance that you discuss with your insurance professional what form of Homeowners Insurance you currently have protecting your home.



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What is NOT Covered on my Homeowner Insurance Policy?

Let’s start by saying that every Homeowners policy is different and every homeowners insurance carrier has different unique coverage's… Basically there are NO absolutes here.

That being said there are seven perils that are not covered on any of the standard Basic, Broad or Special form homeowners insurance policies and those seven perils include:

1) Ordinance or Law
2) Earthquake
3) Flood
4) War
5) Nuclear Hazard
6) Wear and Tear
7) Intentional Acts

A couple of those including earthquake and flood you can buy coverage for. But the coverage does not come standard on most homeowners insurance policies.



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What is water back up and sump pump failure insurance?

Water back up and sump pump failure coverage is an endorsement to the homeowner insurance policy that provides coverage to property damaged by water that backs up into the home through pipes, drains, sewer, water-service, sump pump and any other type of fluid transfer system from the house.

Water backup is very common in areas where the public water systems are old.

It is important to understand the water back up and sump pump failure coverage is an endorsement to the homeowners insurance policy.  This coverage Does Not come standard.  You have to add the coverage and in most cases pay an additional premium otherwise you do not have coverage for this type of loss.



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BUSINESS INSURANCE
BUSINESS Insurance FAQ

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Should my small business have Business Income Insurance

Business income coverage is not necessary for every business. However, if you decide to not purchase this coverage, it’s important to understand what you will not have coverage for in the case of a loss.

Business income provides reimbursement for lost revenue after a covered insurance loss.  For a company that does not have a physical address that is crucial to its business, such as a contractor, business income is probably not necessary. For store front or main street businesses, like a coffee shop, business income is a must.



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