Frequent Questions

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2 Are my work tools covered in my truck?
3 What does how far I drive to work each day have to do with my auto insurance rate?
4 What is a pay in full discount?
5 Am I paying for the insurance for beach houses on the coast of NC?
6 o I need a commercial auto insurance policy for my truck?
7 o I need a commercial auto insurance policy for my truck?
8 What is replacement cost coverage on my car and why would I need it?
9 What is the deal with insurance ads that say you can name your own price?
10 What is a consent to rate letter and should I sign it?
11 What is the one policy most used car dealers forget to purchase?
12 When is the best time to schedule a workers compensation audit meeting?
13 What is the deal with overtime pay and workers compensation insurance?
14 How do the general liability and workers compensation classification codes affect how much I pay for those policies?
15 What is sewer backup coverage and do I need to buy it on my homeowners policy?
16 If I have an irrigation license bond, do I still need general liability insurance?
17 Why is the irrigation bond required?
18 Who needs to buy an irrigation license bond?
19 Why should I ask for a certificate of insurance from someone who is working on my property or my home?
20 How does escrow affect my homeowners insurance?
21 What does it mean to escrow my home insurance?
22 Is the cost of having my car towed covered by my auto insurance policy?
23 Why do I need to get certifcates of insurance from my subs?
24 Why does my general contractor require a certificate of insurance?
25 What is a certificate of insurance?
26 When is the right time to drop collision coverage on an older car?
27 How much liability insurance should I buy on my car insurance?
28 What do the numbered symbols beside each garage insurance coverage mean?
29 Can I pay my bill over the phone with a credit card.
30 What kind of coverage do I need to protect myself if someone gets sick from food served in my restaurant?
31 How long will it take points to come off my policy?
32 Will my auto policy cover my child and their car while they are away at college
33 If my child's friend is injured in my back yard, can the parents sue me for medical bills? If so do I have any protection under my homeowners policy?
34 What happens if my car is stolen, can I file a claim?
35 If I have a chip in my windshield is it covered
36 if my car is hit by a hit & run driver, can I claim the damages on my auto insurance?
37 If my neighbor's tree falls on my fence, whose insurance covers it?
38 If my occupied home is broken into, are the stolen items covered under my homeowners insurance?
39 What is coverage for rented vehicles?
40 If I hit a deer, does my insurance cover the damage?
41 If you carry towing and labor insurance on your vehicle and you lock your keys in the car. Would you have coverage to pay for a locksmith to come out and unlock your door?
42 If I have a dealer tag, who can drive my car?
43 How long will I have to pay extra for my teenage driver?
44 Does my insurance policy have a grace period?
45 What is difference between Garage Insurance and Garagekeepers Insurance?
46 What is the difference between direct garagekeepers insurance and excess garagekeepers insurance?
47 What is the difference between direct primary garagekeepers insurance and garagekeepers legal liability insurance?
48 Why are work comp policies audited?
49 Is there any downside risk to giving a lowball estimate on my payroll for my work comp policy?
50 What are the risks of shopping for insurance on line?
51 What is the difference between a Claims Made policy and an Occurrence Policy?
52 What are the X, C, and U exclusions and what do they mean for a business?
53 What Is The Most Dangerous Time Of Day For Teen Drivers?
54 If heavy rains cause my basement to flood, are the damages covered by my homeowners policy?
55 I have a car lot, if I have hail damage are the cars covered?