AUTO INSURANCE
I drive a company vehicle. Will my policy cover me
if there is a problem with the company's coverage?
Not likely, unless you have added the "extended non-owned liability coverage" to your policy. Even though there is an additional premium for this, it is an important ceverage. Inform your agent that you do drive a company vehicle so they can advise you accordingly.
HOMEOWNER'S INSURANCE
Does my home insurance cover damage to
my home caused by an earthquake?
The standard home policy does not cover earthquake damage. But for an additional premium, an endorsement can be added that will cover earthquake damage.
BUSINESS INSURANCE
What defines a business?
Most policies define a business as an activity that includes a trade, profession, or occupation. This is a very inclusive definition. If you are making an item or providing a service full or part-time, it is best to check with your agent for proper coverage advice.
LIFE INSURANCE
Why do I need life insurance when I am
provided coverage by my employer?
Most generally, work provided life insurance is low value term coverage and it will end when your job ends. To purchase coverage at that time you will be older and possibly with health problems, which increase the cost. It is best to purchase your own policy at a young age.
