Is E-Insure Services an insurance company?

Although E-Insure has insurance licenses,  it’s primary function is to help our clients locate online insurance providers for a wide range of coverage. When visitors select an appropriate partner, we step back from the process. As a result, E-Insure collects no personal identifying data, except that we may view performance data collected by our partners for the purpose of enhancing our services.

Why won’t the insurance quote application open? 

Please make sure you have enabled pop-ups; your browser may block the insurance application windows. If you are still having trouble, there is a page called “Quote Confirmation;” if you find this page, please look in the second line of the text for a link to the specific application. Still cannot open the application? Feel free to contact customer service from our web link on the left side navigation.

How do I get an insurance quote from your website?

You can find Insurance Quotes from our listings by selecting a category such as: Home, and then choosing a sub category such as:Homeowners, Renters, or another housing type. Once you are on the Product page, fill in the zip code box and click submit. The next page will list our partner for which you may receive quotes and apply for insurance. *Make sure to check whether you have enabled pop-ups; your browser may block the insurance application windows.

I need to file a claim on the policy I purchased through e-Insure. How do I do that?

Because e-Insure is a referral agent, we have no information about any policy you may have purchased from one of our partners. If you need to file a claim, you must contact the insurance company that issued your policy.

But I’m sure I purchased insurance directly from e-Insure. It says so right on my policy!

Look again. e-Insure has several competitors with very similar names, some of whom sell insurance directly, rather than acting as a referral agent, as e-Insure does. The names “eInsure,” “e-Insure,” “eInsurance,” and “e-Insurance” all belong to e-Insure Services, Inc. Anything else is another company.

I purchased an insurance policy through e-Insure. How can I get a copy of my policy documents?

Because e-Insure is a referral agent, we have no information about any policy you may have purchased from one of our partners. If you need copies of your policy documents, you must contact the insurance company that issued your policy.

I’d like to talk to somebody about my policy or billing arrangements. Who do I call?

Because e-Insure is a referral agent, we have no information about any policy you may have purchased from one of our partners. If you need to discuss your policy or billing arrangements, you must contact the insurance company that issued your policy.

I forgot who issued my policy. Can you help me find out?

If you created a customer profile before you filled out the application, your “history” will be found there. If not, we would not have information in regards to how you used our site.

I applied for an insurance quote several days ago, and haven’t received it yet. What should I do?

In many cases, if you applied for a simple insurance product, such as auto insurance, you should have received your quote immediately online. More complex products—such as commercial liability insurance—often require the assistance of an agent, who may take a day or two to get back to you. In any case, if you have waited more than a few days, you should follow up directly with the company that was supposed to provide the quote. You can find their contact information in the User History section of your User Profile.

You sent me an e-mail with attachments, and I can’t open them. What happened?

E-mail servers come in two flavors: those that accept HTML e-mails (the ones that look like little web pages), and those that do not. Since most modern e-mail servers accept HTML mail, that is the default setting on your user profile. If you didn’t indicate otherwise during the user registration process, then any e-mails we send you will contain HTML code (making them difficult to read) and a few small attachments, which contain graphic images.

I am getting lots of junk e-mail. Is E-Insure selling my personal information to advertisers?

Absolutely not! In accordance with our Privacy Policy, e-Insure never reveals personal information about our clients to anyone, for any reason, except as required by law or as necessary to assist our partners in providing them with an insurance quote.

Maybe so, but a lot of my junk mail comes from somebody@einsure.com. Knock it off!

Unfortunately, there are a number of sophisticated computer viruses that spread themselves by secretly sending e-mails to addresses they find on the host computer. To further complicate things, many of these viruses “spoof” the e-mail’s From field, meaning that their e-mail appears to come from another address drawn from the host computer, rather than from the host itself.

Fine, but what about the mail you do send?

As a rule, there are only two types of e-mail you should receive from e-Insure. The first includes messages that pertain to the administration of your account, such as registration confirmations and the like. The second is a confirmation email that includes the provider name and contact information.

What does property damage liability cover?

Property damage liability covers an accident where you were at fault and caused damage to someone else’s property, up to your policy limit. The most common losses are damage to other vehicles and objects such as fences and traffic signs.

How do I get an auto insurance quote from your website?

You can find our listings for Auto Insurance partners by selecting the category, Auto Insurance. Once you are on the Product page, fill in the zip code box and click submit. The next page will list our partners for which you may receive quotes and apply for Auto Insurance.

What is bodily injury liability?

Bodily injury liability covers you if you are legally responsible for causing injury to the occupants of another car or a pedestrian. The bodily injury liability coverage part of your policy will pay for their medical bills, lost wages, expenses, etc., up to your policy limits. Bodily injury liability will also pay your defense costs against unwarranted legal action.

Does uninsured motorist coverage provide insurance when I’m in an accident with a driver who does not have insurance?

Yes. Uninsured motorist coverage for bodily injury covers you for injuries that you and your passengers sustain at the hands of an uninsured driver. Uninsured motorist coverage for property damage covers you for damage to your vehicle as a result of an accident with an uninsured driver. It also provides coverage for hit and run accidents where you are the victim.

Doesn’t the law require liability insurance for all drivers?

Yes, but not everyone follows the law. Unfortunately, there are many uninsured drivers. If you were in an accident with someone not carrying insurance, or the victim of a hit-and-run accident, uninsured motorist coverage would pay for any damages up to your policy limit.

How much uninsured motorist coverage should I have?

Many experts recommend you have as much uninsured motorist coverage as your regular liability, bodily injury, and property damage coverage. Some states have a minimum coverage requirement and other states waive uninsured motorist coverage if you have collision coverage. Regardless of the limit you select, your uninsured motorist coverage cannot exceed your liability coverage.

What is underinsured motorist coverage?

Underinsured motorist coverage protects you in case of an accident caused by a motorist who does not have enough liability coverage to pay for injuries or damage. The required minimum state limits for this coverage are generally the same as uninsured motorist coverage.

What does medical payment cover?

Medical payment coverage pays for medical expenses that you, your family members, or guests in your vehicle incur as a result of injuries caused by an automobile accident. Medical payment coverage pays for a doctor’s care, hospitalization, pharmacy bills, ambulance service and funeral expenses, no matter who is legally responsible for the accident. In addition, medical payment coverage will generally pay your deductible or co-payments due under your health insurance.

What is the difference between bodily injury coverage and medical payments?

Bodily injury liability coverage pays for the medical expenses of pedestrians and occupants of another vehicle if you are responsible for an accident. It would also pay other expenses such as lost income and pain and suffering. Medical payments coverage reimburses you and any passengers in your vehicle for medical expenses that are incurred as a result of an accident, no matter who is responsible for the accident.

Will my medical payments coverage protect me if I am injured while driving someone else’s car?

Yes. However, the injuries of any passengers would not be covered by your policy. The medical payment portion of the car owner’s policy would cover them.

What if I already have health insurance? Should I still get medical payment coverage?

Yes. While your health insurance might cover you, anyone else injured in an accident in which you were involved wouldn’t be covered by your health insurance (unless they were listed as dependent coverage) and you would need medical payment coverage to cover their medical expenses.

What is collision coverage?

Collision coverage pays for the repair or replacement of your car after an accident, minus your deductible. If your car is totaled in an accident, collision pays for the current market value of your car, minus your deductible. If your car is worth less than $3,000, you may want to skip collision coverage if you can afford to replace your car.

If you leased or financed your car, you will have to buy collision coverage, regardless of the car’s value. Collision can be purchased on its own, without comprehensive coverage, but most insurance companies will not let you purchase comprehensive coverage without collision.

What is comprehensive coverage?

Comprehensive coverage pays for damage done to your vehicle in any situation other than an accident. For example, theft, vandalism, fire and hitting an animal are covered under comprehensive.

If you leased or financed your car, you will have to buy comprehensive coverage. Since the cost of comprehensive coverage accounts for a large portion of your premium, you may want to skip comprehensive coverage if you car is worth less than $3,000 and you can afford to repair or replace the car yourself.

What is liability coverage?

Liability coverage protects you against claims that arise out of an accident in which another person was injured or someone else’s property was damaged. Liability coverage is required in most states. Liability coverage is available in either Combined Single Limit form or Split Limits form.

What is combined single limit insurance?

Combined single limit combines bodily injury and property damage coverage into one single sum. This is the total amount of bodily injury and property damage liability coverage that the insurance company is obligated to pay on your behalf if you are liable for an automobile accident. A policy with a $300,000 combined single limit means that the maximum amount for both bodily injury and property damage that can be paid is $300,000.

What does it mean when I see insurance coverage referred to as 100/300/100?

This is known as “split limits” coverage. The first number is the maximum amount of coverage the insurance company is obligated to pay on your behalf to any one person who was injured as a result of an automobile accident. The second number is the maximum amount of coverage that the insurance company is obligated to pay on your behalf to all persons who were injured as a result of an automobile accident. The third number shows you the total amount of property damage that the insurance company will pay on your behalf as a result of an automobile accident.

What if I’m in an accident and need to rent a car? Will my insurance cover the cost?

Most automobile insurance offers rental reimbursement coverage to help pay for renting a car if your car is damaged or stolen. Rental reimbursement coverage pays for a car rental, up to a stated limit on your policy, while your auto is being repaired or replaced due to a collision or comprehensive loss.

Will my insurance pay for my car to be towed?

Most auto insurance offers towing coverage that will pay up to $50 to tow your car to a garage. Towing coverage will also pay for any labor costs resulting from special assistance at the site of the accident. Cost and amounts of coverage vary by insurance company. If you belong to a group such as AAA, or have a new car that offers towing and labor coverage on the warranty, you probably won’t want to purchase this coverage on your auto insurance.

Is my cell phone covered on my auto insurance policy?

To be covered on an auto insurance policy, the cell phone has to be factory-installed and considered part of the vehicle. If it is not a factory-installed phone, then you will need separate coverage to insure it.

Will I need special insurance if I customized my car?

Many insurers offer a special equipment option for non-factory installed items such as special wheels, paint, stereo system, cellular phone, or CB radio.

If my tapes or disks are stolen, will my auto insurance cover them?

These items are not covered on a standard automobile policy. However, you can purchase special equipment coverage that will cover these items.

How many cars and drivers can I insure on a policy?

You can usually insure any number of cars and drivers. Insurance companies usually offer a multi-car discount when you insure more than one vehicle.

Do I need different insurance if I lease a car instead of buying one?

A standard auto insurance policy is still needed when leasing a vehicle. The main difference between leasing and owning is that the leased automobile is owned by the leasing company instead of the individual, who merely has the right to use it and the obligation to make sure it is insured. Most leasing companies will insist that they be named on and approve the insurance policy. The auto insurance policy will protect the individual who leased the car and the leasing company owning the car. When renting a vehicle make sure to verify with your existing insurance company that you are covered in this circumstance. If this is not the case, rental companies do offer insurance policies for the vehicles they provide.

What cars can be covered under my policy?

Cars that are owned and registered to you should be listed on your policy in order to be covered. If you buy or lease a new car, it will be covered on your current policy for a limited period of time, generally between a seven and 30 days. After that, you must be sure to add the new vehicle to your policy or it will not be covered.

Will my auto insurance cover me when I rent a car?

That depends on the car you’re renting, the type of policy you have, and on your insurance company. Under what is called a “family policy,” your liability coverage (bodily injury and property damage) and, if you have it, your physical damage coverage (comprehensive and collision) will cover any damages to a rental car, even if you rent it for pleasure or vacation. Under a “personal policy,” only your liability coverage will extend to a rental car, and then only if the rental car is needed to temporarily replace your car because of a breakdown, repair, servicing, loss or destruction. You should read your policy or check with your agent to confirm whether or not your insurance protects you when you’re driving a rental car.

How can I qualify for a Good Driver’s Discount?

Each insurance company sets its own standards for good driver discounts. In general, you are usually considered a good driver if you have not had more than two moving violations or accidents in the past three years and you must not have been cited for drunk driving, driving under the influence, or violations of the Penal code that include manslaughter or gross negligence in an accident in the past seven years.

How can I qualify for a Driver Training Discount?

This kind of discount is usually limited to teenage drivers. Since teenage drivers lack experience, they usually get more tickets and have more accidents. Taking a certified driver’s training course can help reduce their auto insurance rates. However, even adults can qualify as long as you take a course from a certified licensed instructor. You may need to provide some sort of certificate or written proof in order to obtain the discount.

What is a Good Student Discount?

Statistics show that students who do well in school tend to have better driving records. Therefore, companies are willing to give “Good Student” discounts to students with a “B” or better grade point average. You may need to provide some sort of certificate or written proof in order to obtain the discount.

How does an insurance company define “Distant Student” or “Student Away at School?”

Some insurance companies offer a “Distant Student” discount if your son or daughter attends school more than 100 miles from home and does not take a vehicle with them. You may need to provide some sort of certificate or written proof in order to obtain the discount.

If I have taken an “Accident Prevention Course,” can I get a discount on my policy?

Yes. Some insurance companies offer a discount on your premium if you take an accident prevention course. However, you may need to have a certificate of proof in order to get the discount.

How do I know if I have anti-lock brakes or an anti-lock braking system (ABS)?

If your car has this feature, your owner’s manual will give you the information you need. In many newer model cars, an anti-lock braking system (ABS) is standard equipment.

What type of anti-theft device do I need in order to get a discount?

Most insurance companies offer discounts for the following anti-theft devices:

Alarm Only. An alarm system that can be heard at least 300 feet away for at least three minutes.
Active Disabling. An alarm system that includes a manually activated turn-off feature that disconnects the ignition or battery should someone try to steal your car.
Passive Disabling. An alarm that automatically engages a device which disables the ignition, battery or other vehicle feature that a thief would need in order to steal your car.
Even though some devices, such as a steering wheel lock, do not provide a premium discount, it is still useful to have one in order to safeguard your car from theft.

Can I get a discount for having seat belts or air bags in my car?

Some insurance companies offer discounts for shoulder restraints and seat belts in order to receive a discount on your premium. They also offer an additional credit or discount for air bags.

If I have a child under the age of four in the car, is a shoulder and seatbelt enough?

No. Most states have laws that require you to put children under four in approved child seats. If you do not, you could receive a moving violation.

What if no insurance company wants to protect me because of my poor driving record?

Generally, if you have had more than two moving violations or two accidents in the past three to five years, your driving record is considered to be poor. Some Standard or Preferred insurance companies only cover drivers with good driving records. However, you can still purchase insurance through either a “non-standard” or “assigned risk” insurance companies. You will have to pay a higher rate than a standard or preferred driver.

What if someone in my family has a bad driving record?

People with good driving records get the best rates. If a family member living with you has a bad driving record and does not have his or her own insurance policy, then he or she may increase your insurance premiums.

Can I exclude a person with a bad driving record from my policy?

Some insurance companies will allow drivers to be excluded from your insurance policy. The rules covering such exclusions are normally governed by state statute. However, you should be aware that, if you exclude a driver from your policy, and he or she gets into an accident while driving your insured vehicle, your insurance policy will not provide you with coverage for any damages sustained as a result of this accident.

What if my auto insurance has been cancelled or I’ve been turned down for auto insurance in the last three years?

The insurance carrier may look into the reason your policy was cancelled or declined before deciding whether or not to offer you coverage. The decision as to whether or not to grant coverage is based on your individual circumstances.

What if I make a mistake on the information I provide in my request for coverage?

Don’t worry about small mistakes. On most questions, such as how many miles you drive your car, there is a reasonable margin of error. Further, such details will not greatly impact your premium. However, if your policy lapsed for more than 30 days or if you forget a ticket or an accident, there might be a problem as to whether or not you qualify for a particular insurance company’s auto policy.

What is considered a good, bad and OK driving record?

This varies by state and insurance company. Generally speaking, a “good record” would be free of accidents or tickets for the last five years. An “OK record” might include one accident or traffic ticket over a period of three to five years. A “bad record” would include two or more at-fault accidents and/or traffic citations over a period of three to five years.

What constitutes an auto accident?

An auto accident is an unintended, unforeseen casualty or mishap that results in injuries to people and/or damage to property.

What if I did not report an accident to my insurance company?

It is best to report all accidents even if you don’t plan to make a claim in order to protect yourself and your assets. Injuries to people and to cars are not always immediately apparent. By reporting an accident as soon as you can, you’ll protect yourself against any possible claims that could arise down the line. And you never know if another person involved in the accident may decide to file a claim. Most auto insurance policies require that you report an accident within a “reasonable amount of time.” The exact interpretation of that is up to each insurance company. If you do not report an accident within a reasonable amount of time, your insurance company could refuse to pay any claims that came out of that accident. However, if there were no injuries or damages reported, it will not affect your insurance rates.

Am I still covered if I borrowed a friend’s car?

Generally, your friend’s insurance policy would be the primary source for insurance coverage. If your friend did not have enough coverage, then your insurance would cover the excess, both for bodily injury and property damage.

How does an insurance company determine insurance rates?

While it varies from insurance company to insurance company and from state to state, generally, the following factors will determine your insurance rates:

· where you live and where your car is garaged · the year, make and model of the car · how you use the vehicle and how many miles you drive a year · driving records of you and other drivers in your household · the age of the drivers in your household · gender and marital status of the drivers · number of years of driving experience · any applicable driver and/or vehicle discounts · the number of vehicles being insured · your credit score

Why are rates different for different types of vehicles?

The value, size, weight and age of your vehicle, and even the cost of replacement parts are considered when determining the price of your insurance. More expensive cars cost more to insure. A model that is attractive to thieves or is expensive to repair will also cost more to insure.

If I am not living in the same household as my spouse, will it affect my insurance rates?

This depends on your insurance company, but, generally speaking, when a husband and wife are separated, they get their own insurance policies and lose their multi-car discount, increasing both policy premiums.

Why do married drivers pay less than single drivers?

Statistics have shown that when people marry, their driving records improve. That’s why most insurance companies view married people as safer drivers than those who are single and set premium rates accordingly.

Why does the insurance company want to know when I was born?

Based on actual loss experience, insurance companies use the age of a driver as a primary factor in determining insurance premiums. For example, drivers from 25 to 65 get the best rates. Less experienced “youthful operators” under age 25, and senior citizens over 70 to 75 are generally considered to be higher risks and pay more for their insurance. A higher risk means higher costs. Unmarried men under 25 generally pay the highest premium.

Why does the insurance company want to know how many many miles I drive?

For purposes of determining risk, the more miles you drive every day, the greater the chance that you will get in an accident. Therefore, an insurance company wants to know how many miles you drive in order to assess the risk on your auto insurance policy.

I live only a mile away from my job. Will that save me money?

It can. If you drive less than 7,500 miles a year the insurance company may offer a discount.

Why do men pay higher insurance premiums than women?

As part of the determination of premiums, insurance companies use historical statistics on the driving records of men and women. Purely on the basis of statistics, in general, men have more accidents and receive more moving violation citations.

I’m moving to a state with “no-fault” auto insurance. What exactly does this mean?

It means that your insurance company will pay for the financial losses from an automobile accident not matter who is at fault. See No-Fault Automobile Insurance

If someone borrows my car is that person covered under my auto insurance?

As a general rule, auto insurance coverage follows the vehicle, not the driver. So if your car is involved in an accident, the car typically receives the full coverage provided by the auto insurance policy, regardless of who is driving.

Auto insurance policies normally provide coverage for your car if it is driven by any of the following people:

· you, the “named insured” · your spouse, as long as he or she lives in your household · other family members who are related to you by blood, marriage, or adoption · a foster child who lives in your household · a child who is away at college but still considers the address listed on your policy as his or her permanent address · anyone to whom you lend your car

When do insurance companies check driving records?

An insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company. The purpose of this initial review is twofold: 1) to determine whether you meet the insurer’s standards of insurability, and 2) to evaluate your risk potential.

Depending upon what state you live in, once you are issued a policy, your insurer could have the right to review your driving record at any time. There are certain times when your insurance company will check your record. These include:

· when you initially apply for coverage · when you request a change to your policy (increased coverage amounts, etc.) · when you add a vehicle to your policy, or change the covered vehicle · when your policy comes up for renewal

Why do auto insurance applications include questions asking for credit information or if you have claimed bankruptcy?

While not readily apparent, there is a connection between credit risk and safety risk. Statistics show that drivers with poor credit file more accident claims than drivers with good credit. Insurers reason that someone who is careful with one aspect of their life (money manangement) is also likely to be careful with other aspects of their life (driving habits). Credit information is also needed to determine whether an applicant is likely to pay premiums in a timely fashion.

I don’t own a car, but occasionally borrow or rent a car for trips. Should I have an auto insurance policy?

If you drive at all, it’s a good idea to have automobile insurance. Many insurance companies offer a nonowners policy for people who drive occasionally but don’t own their own car. Nonowners policies typically include liability, medical payments, and uninsured/underinsured motorist coverages. Nonowners policies generally do not include comprehensive, collision, towing reimbursement, or rental reimbursement coverage.

*Don’t see your question here? Contact our Customer Service department and get an answer!

How do I get a Home Insurance quote?

You can find Insurance Quotes from our listings by selecting a category such as: Home, and then choosing a sub category such as: Homeowners, Renters, or another housing type. Once you are on the Product page, fill in the zip code box and click submit. The next page will list our partners for which you may receive quotes and apply for insurance. *Make sure to check whether you have enabled pop-ups; your browser may block the insurance application windows.

Are my pets covered under my homeowners insurance?

No. Insurance is about money. In the case of a pet, how would you estimate in terms of dollars and cents their value in your life? The best insurance you can have for your pets is to take care of your home to ensure that it’s as safe a place to live as possible—for them and for you.

Is my laptop covered by my homeowners insurance outside the house?

Generally speaking, yes. Most homeowners insurance includes “off-premises coverage” for your personal property. However, business equipment has a $250 limit, so you probably should get an endorsement to increase coverage for your computer. Just remember, though, that your coverage will only replace the computer, not the information you have stored on it.
Because some areas have high crime statistics, you may have to pay extra for off-premises coverage, depending upon where you live.

My dog bit one of the neighbor’s children. Will the liability part of my homeowners insurance cover the medical bills?

The medical payments coverage of your homeowners policy would probably pay any doctor’s bills your neighbor had in connection with the dog bite, usually up to a limit of $1,000.

If I work out of my home will my business be covered by my homeowners insurance?

Most homeowners insurance policies cover business equipment and furniture in your home up to a certain maximum, usually up to $2,500 on premises and $250 off premises. If you have more valuable equipment, you may need an endorsement to your policy. Some policies offer a higher maximum on equipment, furniture and information stored on your personal computer, but they may require that the business be “incidental,” meaning that it is not your primary source of income.
If you conduct business in your home and someone connected to your business is injured at your home, your homeowners policy will not cover any damages or court costs. Worker’s compensation insurance is not included either. In almost every case, you need to purchase separate worker’s compensation coverage for any employees at your home.

Am I covered by my landlord’s insurance if I rent?

No. The landlord’s insurance is only going to cover damage to the building. If someone breaks in through a window and steals your stereo and television, you will not be reimbursed by your landlord’s insurance.

Does my garage need to be attached to my house to be covered by my homeowners insurance?

No. Homeowners insurance includes coverage for “other structures.” In other words, any structure on your property that’s not attached to your house (such as your garage, a greenhouse, a tool shed, etc.) is usually covered for 10 percent of the amount of coverage on your home..

If a storm blows down a tree in our yard and damages our neighbor’s house, whose insurance pays?

Since it’s your tree, it’s your insurance that pays for removal of the tree and any damage from the tree. However, debris removal coverage under homeowners insurance can be very specific and is only available if there is enough money left over after repairing the damage. Since the tree fell in your neighbor’s yard, most likely it didn’t damage any of your property. If the tree fell on their yard, you probably wouldn’t be covered for the removal, because wind damage to trees, shrubs and plants is normally excluded from homeowner’s insurance.

Our power went out and we lost hundreds of dollars worth of food in our refrigerator and freezer. Can we claim this on our insurance?

In most cases, no. However, if the power went out because a limb from a tree severed the power line coming into your house, you may be covered. Homeowners insurance does not cover a power failure that takes place away from your premises-in other words, when the neighborhood’s power goes out because of a storm or a rolling blackout. But if the power failure is caused on your premises by a covered peril, then you may be covered.

Is our boat covered if we keep our boat on our property?

That depends on your homeowners policy and the size of the boat. Some homeowners policies cover motorboats and small sailboats, but not larger boats stored on the premises. For larger boats, you need separate watercraft insurance.

What protection do I have from natural disasters?

Your homeowners insurance covers you against just about all natural disasters with two notable exceptions: earthquakes and floods. If you live in an area that is prone to either one of these natural disasters, you need to get specific earthquake and/or flood insurance in addition to your regular homeowners coverage.

What if something happens to our house and we have to move out while it’s being fixed. Will my insurance pay for this?

Most homeowners policies cover you for “loss of use” due to a covered peril. However, the coverage is for costs you incur above and beyond your normal living costs. For example, reasonable hotel room costs would be covered. Meals and other items of daily living would be covered after your normal costs for these expenses are subtracted.

Does my homeowners insurance cover everything inside my house?

The average Homeowners Insurance policy covers the dwelling or structure itself, personal property (like furniture, clothing, and appliances) up to a predetermined amount, accidents that occur on your property, and temporary living expenses (in case you have to live elsewhere because of a covered loss). Each policy is different so make sure you read your policy for exclusions and coverage limits like mold, flood, and water seepage.

How do I know if I have enough coverage?

How often should I update my coverage?

At least once a year, or any time you make an improvement. Even if you have an inflation guard clause in your policy, you should still take a look at your coverage every year to ensure it is meets your needs. If you buy new furniture, a computer or a stereo system, or if you inherit valuable antiques, check to make sure you have enough coverage for the increased value represented by these items. For example, many policies have limits of a few thousand dollars for jewelry, coin collections, etc. If you have expensive items, you may want either to purchase a separate policy to cover them or add an endorsement to your standard policy.

What does umbrella coverage do that my regular homeowners insurance doesn’t?

Umbrella coverage expands your liability coverage on both your homeowners and your auto insurance. Generally, your liability coverage on your homeowners insurance is $100,000 to $500,000. On your automobile insurance, it depends on the limits you select; most experts suggest you carry $100,000 to $300,000 of bodily injury liability. Umbrella liability insurance can expand your coverage by up to $10 million should you be sued. You may also need to increase your homeowners or automobile coverage in order to qualify for an umbrella policy.

What is the difference between replacement value and actual cash value?

Actual cash value is the type of coverage that will cost less-as much as 10 to 15 percent less in some cases. That’s because actual cash value will pay out less should there be a loss. Actual cash value represents what it would cost to replace an item, less any depreciation. That depreciation factor can make a big difference when it comes to paying on a claim.
Is replacement cost the same as market value? No. Market value is what someone would pay to buy your house. Replacement cost is what it would cost to rebuild your house. As an example, someone might be willing to pay you $500,000 for your house, if it’s located on a beach. But replacing that house might cost only $200,000.

I’m in the process of buying a house and I need homeowners insurance. Can I get just enough to satisfy the lender?

Yes, but you have more at stake than the lender. Basic fire and allied coverages will meet the requirements of the lender, but they will not cover your personal property (furnishings, etc.), provide additional living expenses if you need to live elsewhere while your home is being repaired after a fire, liability coverage if someone injured themselves on your property, or coverage for theft. So while you can easily satisfy the lender’s needs, you won’t really be protecting your own needs. You’re better off getting the more complete coverage of homeowners insurance.

Do I have to get my home appraised before I can buy homeowners insurance?

It may not be required, but it could be a good idea. After all, your home is probably the most valuable asset you’ll ever have. If you are buying homeowners insurance for a new home, you can ask the builder to tell you the replacement cost for the house. If you are changing insurance companies, you can simply use the amount of coverage you currently have. However, it might be worth the effort to get a new appraisal if your home has not been appraised in a few years. If you’ve added to or improved the property you might not have enough insurance. Even though you don’t need a new appraisal every year, you should review your homeowner’s policy at least once a year to make sure you have enough coverage.

How do I know whether or not to buy earthquake insurance?

If you live in an area prone to earthquakes, you might want to give this some thought. Earthquake insurance can be expensive, and carries a higher deductible than regular homeowner’s insurance. Whether or not it’s worth it is up to you. Just remember, losses from earthquakes can be substantial.

How do I know if I really need flood insurance?

If you live in a community that has been designated by the government as a “flood-prone area,” you can and should buy flood insurance. Flood insurance can be purchased from the federal government.

Can I get homeowners insurance if I have two large dogs?

You can get homeowners insurance, but you may have to shop around. Some insurance companies are reluctant to provide homeowners insurance to owners of large dogs because of the risk these dogs represent in potential liability suits. This is especially true for aggressive breeds or ones that have been trained as guard or attack dogs. Even if the company will insure you, they will want to know if the dogs have ever bitten anyone and, if so, what the circumstances were. If your dog attacked a neighbor child for no apparent reason, the insurance company could be concerned. But if your dog simply nipped someone who accidentally stepped on his tail, it wouldn’t be an issue.

What type of insurance do I need for a condo?

You would need to obtain condominium insurance, if you are looking to insure the contents. The typical condominium insurance policy covers loss to your property resulting from things like burglary, fire, wind, hail, collapse, vandalism and the like contained within the interior walls of your dwelling.

Do we need a complete inventory of our possessions in case we file a claim?

How can I lower my homeowners insurance premium?

There are several ways to lower your premium. Most insurance companies offer discounts for protective devices such as smoke detectors, fire extinguishers, burglar alarms or dead-bolt locks. You might qualify for a higher discount if you install more sophisticated fire-prevention or security systems. However, these systems are generally expensive, so check with your insurance company to see it offers a discount on certain systems and if installing a system is worth the reduction in your premium.
There are also discounts for retirees over 55 years of age or older and for non-smokers.

Can I get a discount if I get my homeowners and auto insurance from the same company?

Almost every insurance company offers a discount if you place both your homeowners and auto insurance with the. You can usually earn an additional discount if you stay with the same insurance company for at least three to five years.

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How do I get a Health Insurance quote from your website?

You can find Insurance Quotes from our listings by selecting a category such as: Health, and then choosing a sub category such as: Personal Health, Dental, or Student Medical. Once you are on the Product page, fill in the zip code box and click submit. The next page will list our partners for which you may receive quotes and apply for insurance. *Make sure to check whether you have enabled pop-ups; your browser may block the insurance application windows.

I have a pre-existing condition. How can I get coverage this year?

This year, if you have been uninsured for 6 months and have a pre-existing condition, you will gain access to health insurance that was not previously available to you.
A new program – known as a high-risk pool – will provide affordable insurance for Americans who are uninsured and have a pre-existing condition. This program will provide temporary protection for people with pre-existing conditions until 2014, when insurance companies can no longer deny you coverage based on your health.

What is a Primary Care Physician (PCP)?

A physician chosen by the enrollee that is contacted in case of any medical issues. This doctor manages any other care that a patient might need, like hospitalization or specialist visits.This physician is commonly referred to as your general practitioner or family doctor.

Do I need a referral from my Primary Care Physician (PCP) to see a specialist?

If you have an HMO plan, you usually need to get a referral to see a specialist. Some HMO plans allow you to go directly to some types of specialists. With POS plans, you usually need a referral if you want to use the HMO feature of the plan. If you use the PPO feature of the POS plan, you can self-refer. With PPO and major medical plans, you can go directly to specialists.

What factors should I consider when choosing a doctor?

In terms of quality, choose a doctor who is board-certified, who has attended a reputable medical school, is experienced and has admitting privileges at a JCAHO accredited hospital. You should also select someone with whom you feel comfortable.

Also consider how busy the physician is and the quality of the office staff. You don’t want to wait weeks for an appointment, interact with a doctor who doesn’t have time to answer your questions or deal with rude office staff.

Can I keep my current doctor if I change health plans?

That depends on the plan. If you’re dealing with major medical plans, there are no restrictions on doctor choice. If you’re involved with managed care plans, you’ll want to see if your doctor is in the network before changing plans.

What’s the difference between in-network and out-of-network care?

Managed care companies organize providers into contracted networks. Network providers agree to deliver care at discounted rates in exchange for an increased volume of patients. Although managed care plans give you the option of using out-of-network providers, you will have to pay more for their services. First, the percentage your insurance company pays will be less. Second, the fees of out-of-network providers are usually higher because they haven’t agreed to discount their rates for your health plan.

Should I get a second opinion about my medical condition?

Most health plans require that you obtain a second opinion prior to undergoing a surgical procedure and will provide coverage for it. If you’ve been diagnosed with a serious illness, it’s a good idea to get a second opinion, even if you have to pay for it yourself. An experienced doctor can make a difference—both in correct diagnosis and successful treatment.

Does it make a difference which hospital I go to for my surgery?

Local community hospitals tend to be smaller and more personal than teaching hospitals. For minor or routine surgeries, they’re probably fine. However, if you have a serious condition and want the best experts, choose a teaching hospital. Teaching hospitals are training sites for medical specialists and the places where leading-edge research is conducted.

Whatever hospital you select, make sure its received a good accreditation rating from the Joint Commission on the Accreditation of Healthcare Organizations (JCAHO). Call the hospital’s patient relations department to obtain that information or visit the JCAHO Web site: www.JCAHO.org.

What’s the difference between copayment and coinsurance?

Copayment is a specified amount that you pay for a service or product, such as $10 for an office visit, $12 for a prescription, etc. Payment is usually required at the time you receive the service or product is received. Coinsurance is a percentage of the total cost of the service received. Plans identified as 80-20 refer to such cost-sharing arrangements (80 percent of fee paid by the plan, 20 percent paid by you). Both copayments and coinsurance are out-of-pocket costs.

What is balance billing?

Balance billing is a provider practice of billing for expenses either not covered or partially covered by your health plan. For example, if some of the services provided during your doctor’s visit aren’t covered by your plan, the doctor will bill you directly for those services. Balance billing may also occur when the provider’s fees are higher than the health insurance company considers usual and customary for a particular service. In this case, you may be responsible for paying the balance, unless the agreement between your plan and the provider prohibits balance billing.

What does “out-of-pocket maximum” mean and how can I use it in comparing plans?

The out-of-pocket maximum fixes the annual dollar amount you must pay before the insurance company pays all remaining covered expenses at 100 percent. In comparing plans, the one with the lowest out-of-pocket maximum dollar amount—say $1,000 versus $2,000—is most likely the plan with the highest level of coverage. The out-of-pocket maximum is an important consideration if you anticipate using a lot of services.

Are there certain types of coverages (prenatal care, mammograms, chemical dependency rehabilitation programs, etc.) that insurance companies are required to provide?

Each state decides independently what types of benefits insurance companies in that state must provide. Since requirements vary from state to state, you need to obtain that information from your state’s health insurance regulating agency.

In the past, I’ve been denied reimbursement for using the emergency room. What is considered a medical emergency?

According to the Emergency Medical Treatment and Labor Act (EMTALA), an emergency medical condition is one in which acute symptoms are so severe (including severe pain) that the lack of immediate medical attention could result in serious damage to bodily functions or organs, or placing the health of an individual or unborn child in serious jeopardy.

For a pregnant woman who’s having contractions, an emergency medical condition includes insufficient time to safely transfer to another hospital before delivery or a transfer that may pose a threat to the health or safety of the woman or her unborn child.

Will my health plan cover me when I need medical care out of town?

With a major medical plan, you’ll have coverage with any doctor anywhere. Most managed care plans cover out-of-area services for emergency care only, although some also include urgent care.

Will my preexisting condition be covered when I change health plans?

Coverage of preexisting conditions varies from plan to plan. Most exclude coverage for a certain amount of time for conditions diagnosed or treated prior to your signing on with a new plan. Read the plan’s coverage description carefully.

My husband and I are getting divorced, and my children and I are covered by his employer’s health plan. What are my options after the divorce?

In most cases, if your husband works for a company with more than 20 employees, you and your children will be eligible to continue his employer’s health insurance benefits under COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) for up to 36 months. Your other options are to obtain coverage through your employer or shop for an individual plan to cover you and your children.

Can my insurance ever be cancelled?

Your insurance company cannot cancel your insurance simply because you use it a lot. It can be cancelled, however, if you don’t pay your premiums, you move out of the service area, you don’t follow managed care plan rules or you leave your employer.

My husband and I are insured by our own employers’ plans, and I’m also covered as a dependent on his plan. What’s the difference between primary and secondary coverage?

Your health plan is primary. That means your employer’s plan covers you for services you receive that are part of the plan’s schedule of benefits. Your coverage under your husband’s plan is secondary. This coverage can be useful when you want payment for a service that’s not included in your plan. For example, if maternity benefits were included in your husband’s plan but not in yours, you would be able to get your maternity care paid for by your husband’s (secondary) plan. The premium cost for you as a dependent on your husband’s plan needs to be weighed against the dollar value of the extra benefits you would receive.

What types of alternative medicine services do insurance companies cover?

Acupuncture, chiropractic and massage therapy are the treatments most commonly included in a health plan’s alternative medicine coverage. Some plans offer discounts on nutritional supplements and selected alternative services.

I just got laid off. What should I do about health insurance?

If your employer provided health insurance and the company has more than 20 employees, you’re probably eligible to continue your employer’s health insurance benefits under COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) for up to 18 months. You’ll be responsible for paying the entire premium yourself plus an administrative fee (up to 2 percent). Ask your benefits or human resources personnel about COBRA. If you know that you’ll be covered by a new employer’s plan in a short time, you may want to consider a short-term medical plan instead of COBRA.

I am self-employed and have an individual health plan for my family and myself. How do I keep my business going if I’m incapacitated for a long time?

Although a good health insurance plan will take care of your medical expenses, it doesn’t provide financial resources for maintaining your business. That’s why many people purchase disability insurance. It replaces a portion of the income you lose when you’re unable to work due to a long-term illness or a serious injury.

I am in between jobs and need short-term medical insurance. How broad is the benefit coverage under short-term medical insurance?

Short term health insurance policies are typically offered in increments of 3, 6 and 12 months. Any coverage desired for longer periods should be covered by a personal or long-term health insurance policy. Short-term coverage is less comprehensive than a long-term policy; the short-term policy typically covers the insured against unforeseen incidents or illnesses and is not designed to address his/her overall healthcare insurance needs.

My insurer will only cover a generic equivalent of a drug my doctor prescribed. What should I do?

One way health insurers control costs is to require a higher co-payment for brand-name drugs than for their generic equivalents. In some cases, an insurer may refuse to cover certain brand-name drugs altogether and offer coverage only for the generic equivalents.

In the vast majority of cases, the generic equivalent is a suitable (and less expensive) substitute for the brand-name medication. If your doctor feels that your condition requires the brand-name drug, but the drug is not covered under your prescription plan, ask your doctor to petition the insurer for coverage due to medical necessity. Your insurer may cover the brand-name drug after your doctor provides the facts of your case.

Do employers have to offer health insurance to domestic partners?

There are currently no federal laws requiring companies to provide their employees with health insurance in 2011. However, there are a handful of states that do require employers to offer some form of health coverage to the employee. In most cases the employer is not required to offer health insurance to the employee, let alone the partner of the employee.

*Don’t see your question here? Contact our Customer Service department and get an answer!

How do I get a Life Insurance quote from your website?

You can find Life Insurance Quotes from our listings by selecting the category: Life, and then choosing a sub category such as: Whole Life, Term Life, or Universal Life. Once you are on the Product page, fill in the zip code box, and click submit. The next page will list our partners for which you may receive quotes and apply for insurance. *Make sure to check whether you have enabled pop-ups. Your browser may block the insurance application windows.

I have a medical condition. Can I still purchase life insurance?

In general, it is more difficult to obtain a life insurance policy when an individual has pre-existing conditions. However, if an experienced agent is contacted, all documents are gathered, and a health summary (a summary of your health up to this point in time) is created the insurance policy should be easier to acquire. The limits of the policy might be low, but the agent should have some options for you. Additionally, most states offer assistance in these cases; to learn about your state visit the State Guides to Health Insurance section of our health insurance page.

What is the Medical Information Bureau?

The Medical Information Bureau (MIB) maintains confidential medical information on life insurance applicants obtained during the underwriting process. This information is available only to insurance companies. No one else can look at your MIB file. When you apply for insurance, the insurance company will request information regarding your health history from the MIB. The insurance company will also send information regarding any new medical tests and current health impairments you may have to the MIB. This information will then be available in the future to other insurance companies if you apply for additional life insurance.

What is misstatement of age or gender?

Simply put, a misstatement of age or gender is lying. Two things can happen when you misstate or misrepresent your age or gender on your life insurance application. The policy can be amended back to the date the policy was issued to reflect the correct information, or—if the misstatement is discovered after you die—the insurance company can adjust the benefits paid on the claim to reflect how much coverage the premiums that were paid would have purchased had you provided your true age and/or gender.

Misstatement of age and/or gender may be discovered at any time prior to the payment of benefits, since it is not subject to the contestable period clause in the policy.

Your policy will define exactly what happens in the event of such a misrepresentation or misstatement.

If the information I provide does not accurately reflect my actual health condition, can my life insurance policy be cancelled?

All life insurance policies stipulate a contestable period (usually two years) during which the insurance company can dispute any information provided. If a company learns within this period that certain health information was not correct, the company may void the policy if the misstatement of information was material. Information is considered material if the company would either have not issued the policy, or would have issued the policy with a different rating.

What happens if I misrepresent other information on the application?

The insurance company assumes the information provided on the application is accurate. Inaccurate information on an application is judged material if it would have affected the premium charged or the decision made by the insurance company to issue the policy. A discovery of material inaccuracies may cause the insurance company to adjust or even void the policy. Most information can only cause a policy adjustment if it is discovered before the end of the contestable period (usually two years). Misstatements of age or gender can cause an adjustment of the policy at any time, even after your death.

What are “death benefit settlement options” and how are they paid out?

There are a number of settlement options that you can elect when you buy the policy, or at any point during your lifetime thereafter. If you do not select a benefit settlement option, the beneficiary can select one following your death. The options include:

Lump Sum Payment. Your beneficiary receives one payment for the full death benefit.
Annuity. Your beneficiary can have the death benefit paid out in a series of payments over a specified period of time or during his or her lifetime. While annuity rates are guaranteed in the policy, normally these rates are lower than what you could find elsewhere.
What are nonforfeiture options on a whole life and interest sensitive whole life policy?

What if my birthday is in the next four weeks? Will the policy be issued in time to benefit from the lower premium based on my current age?

Most insurance companies use your age at the nearest birthday, meaning within the first six months after your birthday your current or true age would be used; after six months your age would be considered nearer your next birthday, and the older age would be used. Therefore, if your age for insurance purposes will change in the next four weeks, you can lock in your lower age by paying the initial premium with your application, which will make your policy date the same as your application date. Or, you can sometimes choose not to pay your premium with the application and ask, if available, that your policy be backdated to take advantage of your lower age.

If your half-birthday is coming up in the next four weeks, you can still use your lower age.

What is backdating?

Backdating is to the process of requesting that a life insurance policy be issued based on the previous age of the person being insured. Normally, premiums are based on the age at the time of the application. The older the person being insured, the higher the annual premium. To reduce the annual premium, some insurance companies allow for backdating 60 to 180 days from the date of the application in order to lower the age of the person being insured. However, if backdating a policy is permitted, premiums must be paid from the effective date. In other words, if you backdate three months, you will need to pay the premiums for those three months, even though no life insurance coverage was provided during that time.

Do I have to name a beneficiary?

You don’t have to, but by naming a beneficiary, you decide who gets the death benefit on your life insurance policy. If you do not name a beneficiary, then the death benefit goes to your estate. It is in your best interest to name at least a primary beneficiary.

Why is so much information required to apply for life insurance?

When a life insurance company agrees to issue a policy, the company is effectively agreeing to accept the amount of risk associated with your desired coverage. As a result, a considerable amount of information is required for a company to complete the underwriting process that determines whether a particular application represents a “reasonable” risk for them.

What happens if I move to a new state after purchasing a life insurance policy that is not offered in my new state?

The statutes of the state in which you signed the application will govern your insurance policy.

Why is my gender considered when I apply for life insurance?

Life expectancy affects the annual premium required on a life insurance policy. Currently, women are expected to outlive men by about 6 years. As a result, women usually pay lower life insurance premiums than men of the same age. If you live in Montana, you’ll pay the same rate, since Montana state law forbids the use of gender in setting insurance rates.

After a life insurance policy is approved and issued, can I apply for a rate reduction if the reason my policy was rated no longer exists—for example, if I quit smoking or I lost weight?

Most insurance companies will reduce your life insurance rate when a person has been a non-smoker for two to five years. Losing weight can also lower your premium once it has been verified by a health professional. Rate reduction is contingent upon how each insurance company verifies both of these rate reduction activities.

If I work in a hazardous or high-risk occupation, will my application for insurance be denied?

Generally, companies will not deny you coverage based solely on the fact that you work in a hazardous or high-risk occupation. You will, however, be asked some additional questions. Depending on your responses to these questions, a company may rate the policy higher, thus increasing your premium.

If I participate in a high-risk leisure activity, will my application for insurance be denied?

Participating in high-risk leisure activities does not generally stop you from obtaining life insurance. However, you may have to pay a higher premium or pay the normal premium and have an exclusion added to the policy. The exclusion means that if death occurs as a result of your participation in the leisure activity, the policy death benefit will not be payable.

If I have had three or more moving violations within the last three years, or been convicted of a DUI within the last five years, will an insurer reject my application for life insurance?

Most life insurance companies will not reject an application for life insurance based solely on your driving and driving-related conviction record. If you have had three or more moving violations within the last three years, however, or have been convicted of a DUI within the last five years, most companies will issue the policy with a higher rating.

Will I be denied coverage if an application for life insurance has been previously declined?

Possibly. Your application will be reviewed independently of any prior decisions. The insurance company will obtain any information they believe is necessary in order to determine whether or not your application for insurance should be approved. The company will then determine whether or not to accept your application based on all the information they have obtained.

Why do you ask about my family’s medical history?

Certain health conditions can be passed down to our children. So, while you may not currently have cancer, diabetes or heart disease, if anyone in your immediate family has had one of these diseases, it is one of the many risk factors that an underwriter needs to consider when reviewing your application for insurance.

Do smokers pay higher premiums than people who don’t smoke?

Yes. Since people who smoke are on average expected to live shorter lives than nonsmokers, smokers pay higher premiums.

How can an insurance company find out if I’m really a smoker?

There are no set guidelines that an insurance company will follow to find out if you are a smoker. If the information was disclosed to a healthcare professional or provided to the insurance company, the insurer will use such information while considering a candidate’s qualifications for a health or life policy. *If false information is given to the insurance company, they do have the right to deny coverage.

Why would an insurance company want to contact my doctor?

Current medical information, such as the results of recent physical examinations or blood tests, gives the underwriter reviewing your insurance application an up-to-date picture of your health. By contacting your doctor, the underwriter can verify the answers you gave on your medical history and gain additional insight about prior illnesses. Knowing your current health and past medical history helps the underwriter evaluate life expectancy risks.

Can I be billed for premiums on a monthly basis?

Most companies will not bill for premiums on a monthly basis. Many companies, however, do provide for payment of premiums monthly by automatically debiting your checking account.

*Don’t see your question here? Contact our Customer Service department and get an answer!

How do I get a quote on Business Insurance?

You can find Business Insurance Quotes from our listings by selecting the category: Business, and then choosing a sub category such as: Liability – General Liability or Commercial Umbrella. Once you are on the Product page, fill in the zip code box and click submit. The next page will list our partners for which you may receive quotes and apply for insurance. *Make sure to check whether you have enabled pop-ups; your browser may block the insurance application windows.

What does business insurance cover?

Business insurance protects your company from loss, damage and liability. For example, if some of your business property gets damaged, your insurance would cover some or all of the cost of repairing or replacing the property. If one of your customers is injured at your business, your business insurance would cover the their medical bills. Many small business owners buy a Business Owner’s Policy (BOP), a package policy that covers major property and liability exposures as well as a loss of income if your business cannot operate for a period of time.

Will insurance cover my business if someone sues us?

If your business is sued either for something your business did or did not do, liability insurance can cover you. Liability insurance covers damages and settlements stemming from a lawsuit, up to the policy limits. Many liability policies also cover attorneys’ fees and other costs associated with defending against a lawsuit. However, you would need an employment practices liability policy for protection against claims of discrimination or harassment.

Do I need insurance to protect my business and my part-time employees?

Yes. Even if you work alone, you should have property and liability insurance to protect the assets of your business. You also may need worker’s compensation insurance to cover part-time or temporary employees and yourself. You can check with your state insurance department to find out your state’s worker’s compensation requirements.

What kinds of property should I consider insuring?

The following list is just a brief example of the kinds of property business insurance can protect:

Owned or leased buildings.
Building improvements.
Boilers and machinery.
Furniture and supplies.
Owned or leased equipment.
Inventory.
Money and securities.
Important papers and business records.
Books and documents.
Automobiles and trucks.
Construction equipment.
Signs, fences and other outdoor property.
Intangible property such as patents and trademarks.

How do I determine how much property insurance I need?

Property insurance is based on your property’s actual cash value (its replacement cost minus depreciation), its current replacement cost or another agreed-upon amount, such as an appraisal.

Will my homeowners insurance cover my business if I work at home?

Homeowners policies are not designed to cover home-based businesses. Most homeowners policies limit property losses to $2,500 in your home and $250 away from home. These limits probably would not cover damage to or the loss of your business assets, such as computers, fax machines, telephones, file cabinets, and other equipment. Also, homeowners policies do not include business liability coverage.

Can I combine other entities on my policy as part of my named insured?

Only entities that have more than 50% of the ownership in common may be combined on one policy.

What is a Business Owners Policy?

Who is insured under a BOP?

The type of business insured determines who can be covered under the policy. For instance, if you own a business as a sole proprietorship, then you and your spouse may be named insureds under the policy. If your business is a corporation, then you and others can be named insureds, as well as executive officers, directors, and stockholders. However, any parties insured are covered for liability claims and damages related to activities or services performed for the business, not for personal liability.

What types of businesses are eligible for a BOP?

The types of businesses that typically can obtain a BOP include the following:

Accountants.
Appliance repair shops.
Bakeries.
Dental offices and laboratories.
Doctor’s offices.
Funeral homes.
Hair salons.
Laundries and dry cleaners.
Law firms.
Locksmiths.
Photocopying centers.
Shoe repair shops.
Small manufacturers.
Watch, clock, and jewelry repair shops.

What types of businesses are not eligible for a BOP?

Businesses with risks outside the scope of a BOP include the following:

Amusement parks.
Auto dealers and repair shops.
Banks.
Bars.
Restaurants.
Theaters.

What is umbrella insurance?

Umbrella Insurance is an extension of liability coverage(Umbrella, that sits on top of your typical auto and homeowners policies).In the event that your financial loss exceeds the amount covered by other liability insurance policies, a umbrella policy coverage will be triggered, up to the limit of the policy. Sometimes the insurance company also protects the insured in situations not covered by the usual liability policies. Be sure to read your policy!

What is covered under an umbrella policy?

Umbrella policies typically provide the following protection, up to the coverage limits specified in the policy:

Protection for claims of personal injuries or property damage caused by you, your employees, or hazards on your property, for which you are found legally liable.
Personal liability coverage for incidents that occur on or off your property.
Additional protection above your basic auto policy for auto-related liabilities.
Protection against personal injury claims, such as slander, libel, wrongful eviction, and false arrest.
Legal defense costs for a covered loss, including lawyers’ fees and associated court costs.

What is not covered under an umbrella policy?

Umbrella policies typically provide broad coverage. Furthermore, if something is not expressly excluded from coverage, it is covered. Exclusions vary from one insurer to another, and from one policy to another, but the following are some typical exclusions:

Intentional damage caused by you or an employee.
Liability that you accept under the terms of a contract or agreement.
Liability related to the ownership, maintenance, and use of aircraft, nontraditional watercraft (jet skis, air boats, etc.), and most recreational vehicles.
Damage to property owned, used, or maintained by you (the insured).
Damage covered under a workers compensation policy.
Liability arising from an act of war.

How much umbrella coverage should I have?

There is no exact way to figure the appropriate level of umbrella coverage you need. Your first impulse might be to protect your assets, but this figure is practically irrelevant. A judgment against you could easily wipe out your assets and put your future earnings in jeopardy. Instead, consider factors such as how often you have visitors at your business, how much you and/or your employees drive for business, and whether your business could give the impression that you have deep pockets.

Coverage limits vary, but a typical policy will provide $1 million to $10 million worth of liability coverage.

What is workers’ compensation insurance?

Workers compensation insurance provides coverage that is purchased by the employer to cover certain employee-related injuries incurred while “on the clock”. In the event that an employee is disabled or killed on the job, the dependents are paid benefits by the insurance company.

Who must be covered by worker’s compensation insurance?

Most states require that all employees must be protected by state workers’ compensation coverage. Among the factors considered by state laws are whether the employer controls the actions of the worker and whether the work performed by the worker is part of the regular business of the employer. Independent contractors, agricultural employees, domestic employees, and casual employees are usually not covered under workers’ compensation statutes.

Depending upon your state’s laws, failure to carry workers’ compensation coverage may be punishable by fines, civil penalties, criminal penalties, exclusion from public contracts, and/or cease and desist orders.

How do state workers’ compensation systems work?

What factors influence my workers’ compensation premiums?

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How do I get an insurance quote from your website?

You can find Insurance Quotes from our listings by selecting a category such as: Business Insurance, and then choosing a sub category such as: Liability – General Liability. Once you are on the Product page, fill in the zip code box, and click submit. The next page will list our partners for which you may receive quotes and apply for insurance. *Make sure to check whether you have enabled pop-ups; this might cause your browser to block the insurance application windows.

Why won’t the insurance quote application open?

Please make sure you have enabled pop-ups; your browser may block the insurance application windows. If you are still having trouble, there is a page called “Quote Confirmation;” if you find this page, please look in the second line of the text for a link to the specific application that you are looking for. Still cannot open the application? Feel free to contact customer service from our web link on the leftside navigation.

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