• #1: Can flood insurance be added to a homeowner policy?

    Answer: No. Flood insurance is a separate policy.

  • #2: Is earthquake coverage automatically included under the homeowner policy?

    Answer: No. But it can be added by endorsement to the homeowners policy.

  • #3: Will the damage caused by overflow of a dishwasher or washing machine be covered?

    Answer: Yes. But the damage has to be “sudden and accidental.” A slow leak due to poor maintenance will not be covered.

  • #4: Will the distance driven to work affect the auto insurance rate?

    Answer: Yes. Hundreds of factors go into the determination of an auto rate. Whether or not you commute to work, and how far, will affect your rate.

  • #5: Is termite damage covered under the homeowner policy?

    Answer: No. Termite damage is specifically excluded by the homeowners policy.

  • #6: If my dog or cat causes damage to my furniture will the loss be covered?

    Answer: No. Damage caused by pets is specifically excluded by the homeowners policy.

  • #7: If mice or squirrels cause damage to furniture would the homeowners policy provide coverage?

    Answer: No. Damage caused by vermin is specifically excluded by the homeowners policy.

  • #8: If wind-driven rain comes in through an open window will interior damage be covered?

    Answer: No. Water has to enter the dwelling due to damage caused by a covered peril such as wind or hail strike.

  • #9: Will my homeowner policy cover water damage in the basement due to heavy rain?

    Answer: No. Flood is specifically excluded by the homeowners policy.

  • #10: Will towing claims affect my rate?

    Answer: Take advantage of your towing coverage. There will not be a significant change in your rate.

  • #11: Will my auto insurance rate go up if I turn in a windshield replacement claim?

    Answer: Not enough for you to consider not turning in this type of claim.

  • #12: Will my auto insurance go up if my company pays the claim?

    Answer: Yes. The question will be, how much? Hundreds of factors go into determining the rate. At fault accidents typically carry a significant weight.

    We can help you with this decision.

  • #13: If I hit a deer, will my auto policy cover the damage?

    Answer: Yes. Striking a wild animal is covered by the comprehensive or “other than collision” coverage of your auto policy. Comprehensive deductible will apply.