Frequent Questions
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INSURANCE IN GENERAL

Why do I need to buy insurance?
What factors affect the insurance premiums I pay?

AUTO INSURANCE

How does where I live affect my premium?
Do all states require some kind of Liability insurance?
How do I keep my insurance company from canceling my policy?
What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
Am I covered for natural disasters or “Acts of God”?
How can I challenge my insurers if they refuse to cover a claim?

HOMEOWNERS INSURANCE

Who decides on the type of insurance, the mortgage company or me?
What exactly does a Homeowners policy cover?
Are floods, earthquakes, and other natural disasters covered?
Are there exclusions I should know about?

RENTERS INSURANCE

How expensive is renters insurance?
Does my landlord's insurance protect me?

BUSINESS INSURANCE

I'm just getting my business started. Do I need insurance immediately?
I don't have any major business assets. Why do I need insurance?
Does insurance coverage vary for different businesses?