We recommend asking your agent a series of questions to better understand what your insurance covers and does not cover. 

·         Do I need a personal umbrella? What does it cover?  What limit should I have?

·         I drive for a ride-share company. How am I covered?

·         What is replacement cost coverage, and why is it important?

·         What happens if I rent a car and go both domestically and abroad? What coverage would my insurance have? 

·         My homeowners' deductible, what is it? How would it be waived? When did I most recently file a homeowners claim? 

·         What would happen if my house was destroyed completely? Could I instead use the cash value of my policy?

·         My house is old. Would my insurance pay to rebuild my house to current building codes, or would I be responsible for that cost?

·         I have a wine collection; how is that covered?

·         I just constructed an outdoor kitchen, is this automatically covered? If not, what do I need to do?

·         Can I receive any credits for combining my home and auto insurance together? 

·         What is flood insurance exactly? Or an earthquake occurrence? Does my insurance cover these incidents? If not, should I add coverage?

·         I employ a housekeeper.  What if they had a work-related injury?

·         Am I potentially liable for their lost wages and rehabilitation? What if I'm sued by my employee?

·         What if I misplace my jewelry? 

·         I serve on boards for both for-profit and not-for-profit organizations. Will a claim made against me be covered by my own insurance?

·         How much would my automobile be worth if it were a total loss? How, if at all, would the deductible apply?

·         I recently started a home business. Does my homeowner's insurance provide any coverage?

·         When should I include my kids in my auto insurance policy? When should they be removed?

·         What happens if a sewer or drain inside my house backs up? I believe I am protected, but am I?

Give us a call today; we would be happy to help you better understand your insurance coverage.