If I raise my deductible, will I save a lot of money? When it comes to car insurance, the amount of money saved by raising your deductible from 300 to 500 or even 1,000 is usually not worth while. Sometimes it as little as $15 saved to have your deductible raised. We do recommend that you consider 500 or 1000 on house insurance as there is a considerable savings and in most cases, it is not recommend that you submit a claim that is under $500.

What is No Fault Insurance? No Fault insurance simply refers to the fact that when you are involved in a car accident, you will will deal with your own insurance company regardless of whose fault the accident was. Every accident still carries the element of fault and the person responsible for the accident will have their insurance premiums affected.

If My Car is Broken into, does my Car insurance pay for the contents? No. Car Insurance will only cover things such as equipment that is attached. All other things would be covered by your home or tenants insurance. One thing to realize is that most deductibles are usually 300, 500, or 1000 so most small claims won’t be covered. Another thing to note, is that most insurance companies will not pay more than $1,500 for electronic equipment. So for those who have expensive stereos, you must notify us to ensure you are covered.

If My Basement Floods, am I covered? To answer this question, the source of the water must be known first. For instance, if it were to seep in through the floor or the walls, there is NO Coverage. If your sump pump were to fail or the sewer were to back up, as long as you had SEWER/SUMP PUMP Coverage endorsement on your policy, the policy would pay.

Is my house covered while I am on vacation? As long as you plan to return, your house is covered. In most cases, if you are away more than four consecutive days during the heating season, there is no coverage for damage caused by freezing of any part of a plumbing or heating or domestic water container unless you had arranged for a competent person to enter the dwelling on a daily basis. Ask your insurance broker to be sure.

My son is going away to college next fall. Is he still covered under our home owners insurance? Most likely he will be covered as long as he is a dependent and is temporarily living outside your house. Speak to your broker to find out what the limit of insurance is on any personal property he will take with him.