FAQs
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#1: Can flood insurance be added to a homeowner policy?
Answer: No. Flood insurance is a separate policy.
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#2: Is earthquake coverage automatically included under the homeowner policy?
Answer: No. But, earthquake insurance coverage can be added by endorsement to the homeowners’ policy.
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#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.
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#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.
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#5: Is termite damage covered under the homeowner policy?
Answer: No. Termite damage is specifically excluded by the homeowners policy.
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#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.
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#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.
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#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.
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#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.
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#10: Will towing claims affect my rate?
Answer: Take advantage of your towing coverage. There will not be a significant change in your rate.
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#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.
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#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.
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#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.