Frequently Asked Questions:
What does ATV insurance cover?
ATV insurance typically covers collision damage, liability for injuries or property damage, theft, and sometimes medical payments.
Does auto insurance cover a rental car after an accident?
Yes, many auto insurance policies offer rental reimbursement coverage, but it must be included in your policy.
What risks does boat insurance protect against?
Boat insurance covers risks such as collision, sinking, fire, theft, and liability if you cause injuries or damage to others.
Does condo insurance cover damages in shared areas?
Condo insurance usually covers the interior of your unit and personal belongings, while the condo association’s master policy covers common areas.
Does homeowners insurance cover natural disasters?
Homeowners insurance generally covers fire, wind, hail, and theft. Flood and earthquake coverage usually require separate policies.
How can I update my homeowners policy if my property value increases?
You can request a coverage review with your agent to adjust the insured value, ensuring your home is fully protected.
Who can I name as a beneficiary in my life insurance policy?
You can name anyone, such as a spouse, child, relative, or even a trust, as your life insurance beneficiary.
Can I add extra protection to my life insurance policy?
Yes, you can add riders such as critical illness, accidental death, or disability coverage for broader protection.
How is manufactured home insurance different from traditional home insurance?
Manufactured home insurance is tailored for factory-built homes and covers unique risks such as transportation or structural differences.
Does motorcycle insurance cover riding gear?
Some policies include coverage for helmets, jackets, and other protective gear, but you may need to add this option.
Does wearing a helmet affect motorcycle insurance premiums?
Yes, insurers often give discounts for safe riding practices, including consistent helmet use.
What does renters insurance typically cover?
Renters insurance covers your personal belongings against fire, theft, and certain disasters, plus liability protection if someone is injured in your rental.
Does renters insurance cover damages caused by me to the property?
Yes, liability coverage can pay for accidental damage you cause to the property or injuries to guests.
Is there a specific insurance for RVs and campers?
Yes, RV & camper insurance covers both the vehicle and the personal belongings inside while traveling or camping.
What does snowmobile insurance include?
Snowmobile insurance usually includes collision, theft, liability, and sometimes coverage for injuries while riding recreationally.
Does farm & ranch insurance cover equipment and crops?
Yes, it can cover barns, tractors, equipment, livestock, and sometimes crops against risks like storms or theft.
What does landlord insurance protect against?
Landlord insurance protects the building, provides liability coverage, and can include loss of rental income if the property becomes uninhabitable.
What is umbrella insurance and why would I need it?
Umbrella insurance provides extra liability coverage beyond your auto, home, or business policies, protecting you against large lawsuits or claims.