Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. If i'm driving someone else's car and get into an accident, what insurance do I provide?
  2. Does a red car really make my insurance more expensive?
  3. Is my home covered no matter how it is damaged?
  4. If someone gets hurt at my house, am I covered?
If i'm driving someone else's car and get into an accident, what insurance do I provide?
Since you are driving a friends car and not yours, you would use their car insurance. If there are costs left over after their insurance pays, you can then use your insurance.

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Does a red car really make my insurance more expensive?
No. This is a long standing myth among drivers. The color of your car is not a factor in determining your insurance rates.

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Is my home covered no matter how it is damaged?
Flood damage is NOT covered under a standard homeowners policy. some other natural disasters may not be either. Our agents will make sure to review the coverage options in your policy.

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If someone gets hurt at my house, am I covered?
Yes, the amount of coverage is shown in the liability coverage section of your policy. It is important to have enough coverage to cover a lawsuit in the event someone may sue after an injury at your home.

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