Auto Insurance
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Homeowners Insurance
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Do
I really need auto insurance?
Auto insurance is designed to protect you financially. If you
are responsible for injuries, you may be held liable for the injured
person's vehicle repairs, medical expenses, therapy and loss of
wages.
All states require you to be financially responsible when driving
a car. Depending on the state, you may be legally required to have
auto insurance.
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Who
is covered under my auto policy?
It depends on your policy. Often, your spouse, children or others with permission
to drive your vehicle are covered. Be sure to check with us for your particular
policy.
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What
coverage options are available?
Most states require that you carry a minimum amount of liability coverage.
Liability insurance pays for damages if you become legally liable due to resulting
body or property damage. Beyond that, you have many choices, ranging from different
types of coverage, the amount of coverage and deductibles.
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What
factors may affect my auto insurance rates?
Your driving record
Where you're vehicle is garaged
The make, model and year of your vehicle
Your age and /or gender
Youthful operators
How you use your vehicle / daily miles to work etc.
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How
can I reduce my rates?
Increase your deductible.
Drive safely.
Meet the requirements for one of the many discounts: multiple auto, multiple
line, good student, etc.
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What
factors can change my rates?
Your insurance cost can increase or decrease depending on your personal situation
and the level of risk. Your rates can change because of changes in:
Marital status
Number of people in your family
Change in use of vehicle
Driving records
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If I'm
in an accident, can I get a rental car?
Yes, if it is included in your policy. To verify if you have rental coverage
please contact us.
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What's
the best way to inventory my belongings?
Keep detailed records of personal property including receipts, serial numbers,
appraisals and the name and addresses of appraisers with these descriptions.
Don't forget to inventory what's in your closets, attic and basement.
Videotape or photograph your inventory.
Take a photograph with your closet door open to indicate the quantity of your
clothes.
Keep your inventory up-to-date.
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Does
homeowners insurance protect me if someone gets hurt on my property?
Typically homeowner's insurance covers your liabilities if a guest falls and
requires medical care. The amount of liability coverage is determined by your
policy limits.
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Am
I required to carry homeowners insurance?
Unlike auto insurance you are not required by law to have homeowners insurance
by your mortgage company may require it.
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If
I rent but don't own can I still get coverage?
Yes. Renters can purchase policies very similar to homeowners that cover personal
property, liability, medical expenses etc., the renters policy simply does
not cover the actual dwelling.
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What
is not covered by typical homeowner's insurance?
There is a wide variety of damages, conditions, and costs that are not covered
by homeowner's insurance. For example:
Your claim exceeds your maximum stated coverage amount.
You have flood damage.
You have losses related to business activities in your home and you do not
carry incidental business insurance.
Your claim is covered by other insurance.
Someone else who is intentionally insured under your policy caused your claim.
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