Answers to Frequently Asked Questions.

Auto Insurance

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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.

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.

Increase your deductible. Drive safely. Meet the requirements for one of the many discounts: multiple auto, multiple line, good student, etc.

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.

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.

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.

Business Insurance

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There are many different types of third-party liabilities to be covered for a business. Business liability insurance may protect you from claims arising from someone's bodily or personal injuries. Other items that could be covered are damage to the property of others, products-completed operations, advertising, premises operations, fire, legal liability and related legal defense costs. For instance, liability insurance will not only pay the cost of covered damages but also the attorney fees and other costs associated with your defense.

Personal and advertising injury means being responsible for libel, slander or any defamatory or disparaging material, or a publication or utterance in violation of an individual's right of privacy; wrongful entry or eviction, or other invasion of the right of private occupancy; false arrest, wrongful detention, false imprisonment, or malicious prosecution; which occurs during the policy period.

Property insurance protects your buildings and equipment, stock, furniture and fixtures. Some policies include equipment breakdown and business income coverage. Basic property insurance will generally cover your business for losses in the event of a fire or lightning strike and will pay the cost of removing property to protect it from further loss. Additionally, a standard small business insurance policy will usually cover losses from windstorm, hail, explosion, riot and civil commotion and damage caused by aircraft, automobiles or vandalism.

Property insurance can be purchased on the basis of the property's actual value (the replacement cost minus depreciation); its replacement value (the cost of replacing the item without deducting for depreciation); or an agreed-upon amount.

Homeowner's Insurance

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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.

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.

Unlike auto insurance you are not required by law to have homeowner's insurance by your mortgage company may require it.

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.