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Can I buy insurance without paying a broker fee?
Great question! The good news is that paying extra broker or agent fees is not something you automatically have to expect when buying insurance. In many cases, you can get help shopping for coverage without paying anything extra out of pocket.Here are a few helpful things to know:Not all brokers or…
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Why is my mortgage company involved in my insurance claim?
Involving your mortgage company in a home claim can definitely surprise (and maybe annoy) homeowners, but it's actually pretty standard. When you borrowed money to buy your home, you agreed that your mortgage company would be named as an additional insured on your policy. That's because your lender…
Can someone get an auto insurance policy in my name?
Unfortunately, yes, someone with a copy of your driver's license could potentially try to use your information to get car insurance. It's a form of identity theft, and it does happen.The good news is there are a few ways to check. You can request a CLUE report (Comprehensive Loss Underwriting Excha…
Can I buy flood insurance if I'm not in a flood zone?
Great question! Yes, you can, and honestly, it's something more homeowners near creeks and rivers should consider. Being outside a designated flood zone doesn't mean you're outside flood risk, and flood insurance is available to you even when it isn't required by a mortage company (like a lot of co…
How to get hurricane upgrades when you can't afford them.
Your home insurance won't pay for upgrades upfront, but there is real grant money available in Gulf Coast states, and doing the work can save you money on premiums going forward.Homeowners insurance covers sudden and accidental losses, not preventive improvements. So even though a stronger roof pro…
Can I pay my body shop out of pocket and get reimbursed later?
Yes, you can pay the remaining balance out of pocket to have your car released from the repair shop, and requesting reimbursement from your insurer afterward is likely an option for an ongoing claim. But, like so many things, payment on an auto claim depends on several things.Here are a few scenari…
Does car damage affect your insurance rates?
Just having damage on your car does not cause your rates to go up. Insurance premiums are based on risk factors like your driving record, location, and coverage level, not the physical condition of your vehicle sitting in a parking lot.Where existing damage might come into play is if you ever switc…
Can my neighbor's insurance cover my smoke damage?
Unfortunately, not having homeowners insurance in this situation puts you in a tough spot, but there are still a couple of things worth looking into.If your neighbor's fire was caused by negligence, their homeowners insurance liability coverage could potentially pay for damage to your property. Lia…
Who covers my medical bills if I borrowed a car?
Because you were driving a borrowed vehicle, the coverage available to you will depend on both your friend's State Farm policy and whether you carry any auto insurance of your own, but there are are a few options for you to look into.Your friend's State Farm policy is the first place to start. A fu…
When should you drop full coverage on an older car?
It's not necessarily when, but if you should drop your coverage. I usually suggest keeping as much coverage as you can comfortably afford, but it really depends on your situation. When deciding whether full coverage still makes sense on an older, paid-off car, there are a few rules of thumb worth c…
Should I look at my coverage ahead of El Nino?
Yes, it is a smart idea to review your policies ahead of time, but you probably don't need to completely overhaul your coverage or break the bank to protect your family. Instead of buying every add-on available out of fear, you should focus on a few key areas where major storms cause the most damag…
