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Understanding Insurance - Frequently Asked Questions


The Frequently Asked Questions page is grouped into top-level sections for convenience.
Click on the category or type of insurance that your question relates to:





Insurance Information and Answers to
Home Questions



Q&A
How do I get a Home Insurance quote?

Q&A
Are my pets covered under my homeowners insurance?

Q&A
Is my laptop covered by my homeowners insurance outside the house?

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

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

Q&A
Am I covered by my landlord's insurance if I rent?

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

Q&A
If a storm blows down a tree in our yard and damages our neighbor's house, whose insurance pays?

Q&A
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?

Q&A
Is our boat covered if we keep our boat on our property?

Q&A
What protection do I have from natural disasters?

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

Q&A
Does my homeowners insurance cover everything inside my house?

Q&A
How do I know if I have enough coverage?

Q&A
How often should I update my coverage?

Q&A
What does umbrella coverage do that my regular homeowners insurance doesn't?

Q&A
What is the difference between replacement value and actual cash value?

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

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

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

Q&A
How do I know if I really need flood insurance?

Q&A
Can I get homeowners insurance if I have two large dogs?

Q&A
What type of insurance do I need for a condo?

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

Q&A
How can I lower my homeowners insurance premium?

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

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