FAQs for Your Peace of Mind

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• Fire or lightning
   
• Windstorm or hail
   
• Explosion
   
• Theft
   
• Vandalism or malicious mischief
   
• Damage from vehicles or aircraft
   
• Smoke
   
• Riot or civil commotion
   
• Falling objects
   
• Weight of ice, snow, or sleet
   
• Accidental discharge or overflow of water (plumbing-related)

Financial Protection:

• Bodily Injury Liability: Pays if you hurt someone in an auto accident.
• *Property Damage Liability: Pays if you damage someone else’s property in an auto accident.

Driver and Passenger Protection:

• Uninsured Motorist Bodily Injury: Pays if an uninsured or underinsured driver injures you or your passengers.
• “Stacked” is your selected limit multiplied by the number of cars on your policy.
• *Personal Injury Protection: Pays if you or your passengers are injured in an auto accident.

Protect your Vehicle:

• Comprehensive: Covers damage caused by something other than another vehicle such as hail, theft, or collision with an animal.
• Collision: Covers damage to your vehicle caused by impact with an object other than an animal.

Additional Coverages:

• Rental Reimbursement:
• Roadside Assistance
• Loan Payoff

The length of time a ticket or accident affects your driving record and insurance price can vary based on the insurance company. In general, most carriers pull the driving record of the past five years. However, the impact on your insurance prices may lessen over time, especially if you maintain a clean driving record after the incident. 

No. Flood is an excluded peril on standard homeowners' policy. To be protected, you must purchase a separate flood policy. 

1. Dwelling
2. Other Structures
3. Personal Property
4. Loss Of Use
5. Liability
6. Medical Payments

 Yes. Over 30% of flood claims come from homes outside high-risk flood zones. Flood is typically excluded from your homeowner's insurance and requires a separate policy.