Frequently Asked Questions

"Full Coverage" generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. It does NOT guarantee that everything is covered no matter what happens.
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damage. Your insurance would generally apply in the event that the owner of the vehicle has no auto insurance or does not have enough auto insurance to pay the damages.
You don't need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes and water back up due to inadequate or overloaded drainage systems. Flood Damage is not covered by the Homeowners policies.
You can protect your home, business and belongings with Flood insurance - up to $250,000 for the building and $100,000 for contents. Flood insurance is good buy even in low or moderate risk areas. Almost 25 percent of all flood insurance claims come from low-to moderate- risk areas. There is usually a 30 day waiting period before the coverage goes in to effect. Plan ahead so you're not caught without flood insurance, when a flood threatens your home or business.


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