Category Personal Lines FAQ’s

Insurance FAQ’s: Does my insurance cover a rental car on vacation? Heading on a spring break trip soon? You may be wondering if your auto insurance covers you while you rent a car. Here’s the answer. First thing’s first: Do…

Insurance FAQ’s: What is the difference between Guaranteed Replacement Cost vs Extended or Limited Replacement Cost Coverage for Homeowners Insurance? In simple terms, replacement cost coverage gives you coverage for your home or property to be rebuilt or replaced like…

Insurance FAQ’s: Does my auto insurance cover a rental car? We get a lot of questions about how rental car coverage works with auto insurance and if insurance will cover rental cars.

Insurance FAQ’s: Why do I need a personal umbrella policy? There are many reasons to buy a personal umbrella insurance policy. But first, you really need to understand what an umbrella insurance policy does. Think about an umbrella. What does…

Insurance FAQ’s: Why does auto insurance cost go up as a vehicle ages? Many people get frustrated when their auto insurance costs continue to increase even as their vehicle ages.  The thinking is that as the vehicle gets older, its…

Insurance FAQ’s: What’s the difference between Replacement Cost and Actual Cash Value? If you are researching homeowners insurance, there’s a good chance you’ve run across the terms “Replacement Cost” and “Actual Cash Value” when deciding what type of coverage you…

Insurance FAQ’s: Should my partner and I combine our auto insurance policies? Once in a while we hear from couples (married or not) who want to keep their auto insurance policies separate for various reasons. However, as insurance advisors who…

The basic parts of a standard homeowners insurance policy are somewhat similar from one company to another, which leads people to think that they are all pretty much the same. That is not the case. Beyond the basic coverages, there…