Unless you are responsible for the tree falling, your homeowners will NOT pay for the damage to your neighbor's home. Your neighbor will have to report the loss to his homeowner's carrier.

Yes, your existing insurance coverage will extend to your new vehicle over the weekend. However, it will not add coverage. For example: if your current vehicle has no physical damage coverage, your new vehicle will not have physical damage coverage.

Replacement Cost is the amount required at the time of the loss to repair, replace or rebuild, without deduction for depreciation, using like design and materials of comparable kind and quality.

Market Value is the current selling price based on the estimated worth of the property in your area.

No, You may purchase Flood Insurance by contacting us, your agent or through the Nation Flood Program.

If your teenager has just gotten a driver's license, chances are he or she is looking forward to driving to school this fall. It may be hard to imagine handing them keys to your brand new car, but that may be the smartest vehicle to choose…

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There are several things you need to do after a loss. Below is a list of important steps to take when dealing with a loss.

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Ask for Higher Deductibles. Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15% to 30%.

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Have your own insurance policy. This would provide coverage for your personal possessions, structural improvements to your apartment and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You would also get liability protection.

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