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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is bodily injury coverage?
  2. What does my property damage coverage provide?
  3. What is medical expense coverage?
  4. What is Uninsured/Underinsured Motorist Coverage?
  5. What does comprehensive coverage mean?
  6. What is covered under my Collision Coverage?
  7. What is Towing and Rental Reimbursement?
  8. How can I save money on my auto insurance?
  9. Does my homeowners insurance policy cover me for flood?
  10. If I rent a car on vacation, do I need to buy the insurance offered by the rental company?
  11. Is my jewelry covered under my homeowner's policy?
  12. Is my daughter's property (including her computer) covered while she's at college?
What is bodily injury coverage?
If you are in an accident where you are at fault, it pays for medical treatments and rehab, funeral costs, or legal costs incurred by passengers in your car, pedestrians, the other driver and their passengers.


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What does my property damage coverage provide?
Repairs and/or replacement of another person's property or autos damaged by anyone injured on your policy.


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What is medical expense coverage?
Pays for medical bills including physicians, hospitals and rehab for you and your passengers.


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What is Uninsured/Underinsured Motorist Coverage?
Provides Medical and legal costs for you and your passengers resulting from a hit-and-run driver, or underinsured driver.


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What does comprehensive coverage mean?
Covers: Repair/replacement due to theft, fire, windstorms, hail and floods.


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What is covered under my Collision Coverage?
Covers: Repair/replacement of your car's market value, no matter who is at fault.


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What is Towing and Rental Reimbursement?
Pays for Towing of your wrecked auto and payment of a rental car while yours is being repaired.


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How can I save money on my auto insurance?
  • Combine auto and home insurance policies with one company
  • Buy an auto that cost less to insure (we can give you estimates before you purchase that new vehicle!)
  • Keep your driving record clean
  • Take an approved driver education course
  • Make sure your student drivers qualify for a "good student" discount by getting good grades
  • Don't file petty claims that you can easily pay for yourself (repetitive, small claims can boost your rates)
  • Don't withhold information form your agent. This is called misrepresentation and if you file a claim and the insurance company finds out, they can legally refuse to pay and/or cancel your policy


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Does my homeowners insurance policy cover me for flood?

No. You must purchase a separate policy to cover flood damage.



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If I rent a car on vacation, do I need to buy the insurance offered by the rental company?

Usually not. As long as the vehicle is a replacement for your covered personal auto, you do not need to purchase additional coverage. If you are renting a moving truck or an additional vehicle for your household, you may need the additional coverage offered by the rental company. Just give us a call or check your policy for more information.



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Is my jewelry covered under my homeowner's policy?

You have some coverage for jewelry on your policy, similar to the coverage provided for other types of personal property. This means that if you have a fire in your home and your jewelry is destroyed or damaged, your homeowner's policy will cover the loss. You may be asked to show proof that you owned the item, and you may also be required to provide an appraisal. For this reason, if you have valuable jewelry, you shouuld keep the documentation in a safe place.


Your homeowner's policy limits coverage for the theft of jewelry to the amount shown on your policy. Also, there is a per-item limit of $1,500. If you have items for which the replacement cost would be greater than $1,500, you may wish to consider insuring those items to value on a Personal Articles or Inland Marine Policy. Those policies also broaden the coverage to provide "All Risk" coverage for the items. This essentially means that if you lose the item or it is damaged, your policy will pay to replace it. If you have jewelry that you would like to have insured to value, please give us a call at 559-1200.



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Is my daughter's property (including her computer) covered while she's at college?

The short answer is yes. If your child is a student living on campus in a dorm, or is renting a room off campus, he or she will be covered on your policy. As long as they are a dependent on your taxes and are a member of your household, your homeowner's policy will extend coverage to them. If they rent an apartment in their own name, it may be advisable for them to purchase a Tenant's Insurance policy. The cost for this type of insurance is usually less than $200 per year, and it provides additional living expense coverage, personal property and liability coverage.



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