I’m healthy and young, I don’t need life insurance now do I?

Posted by bmedia on Thursday, August 2, 2018

Yes, getting a life insurance policy when you are young and healthy is the best time to buy because you can lock in your rate, and the older you get, the more expensive life insurance becomes.  It’s also a good idea to consider buying a policy for your children or grandchildren that you can gift […]

I’m looking to make a few extra bucks by driving for Uber. It says they provide me insurance when I am clocked in on the app so I am fine right?

Posted by bmedia on Thursday, August 2, 2018

Not exactly, the coverage amount they provide you varies depending on whether you have a passenger at the time of loss.  Also, some auto policies will not extend coverage for persons driving for hire.  Just give us a call and we can discuss your specifics.

I added a swimming pool this year, does my insurance agent need to know?

Posted by bmedia on Thursday, August 2, 2018

Yes, any time you add on to your home or change the initial risks we discussed, we should have a conversation to make sure you are covered properly.

I am moving so when I put all my contents in storage it’s covered right?

Posted by bmedia on Thursday, August 2, 2018

Not exactly, most homeowners policies only offer a limited amount of coverage for items off premises.

Am I covered if I buy a car over the weekend?

Posted by bmedia on Thursday, August 2, 2018

If you have an active full coverage auto policy and are adding or replacing a vehicle then most policies will extend coverage temporarily.  But remember to call us the next business day and add to it your policy.

My insurance covers me to drive any vehicle, right?

Posted by bmedia on Thursday, August 2, 2018

Wrong.  The owner of the vehicle is responsible to carry the insurance for their vehicle, so make sure any vehicle you drive is covered.

I’m renting a car while I am on vacation. Am I covered, or do I need to purchase the rental car’s insurance?

Posted by bmedia on Thursday, August 2, 2018

With most carriers if you have a full coverage vehicle on your policy, the same coverage and deductibles would extend to cover you when renting a car while on vacation. So as long and your limits and deductibles are satisfactory to the rental company, you would not need to purchase their extra insurance.