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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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Do cash buyers need HO-1, HO-2, or HO-3 home insurance?
The main difference between HO-1, HO-2, and HO-3 policies is the number of "perils" (events like fire, wind, or theft) that the insurance company will cover. Since you are buying your home with cash, you aren't forced by a lender to pick a specific plan, but choosing the right home insurance policy…
How can I get home insurance with a small business?
You can find homeowners insurance for your situation by looking for a policy that includes a business use endorsement or a "rider." Most standard companies struggle with home salons because of the foot traffic (clients walking through your home), which they see as a higher risk for accidents.Even t…
Do you need flood insurance in a low-risk area?
Great question, and congrats on the new home. This is something a lot of first-time homeowners wrestle with, especially when flood insurance isn’t required. The short answer: you don’t have to carry flood insurance in a low-risk area, but it’s often still worth considering.A big reason why is that …
Can I get car insurance that only charges me when I drive?
If you rarely drive, there may be a few ways to lower your car insurance costs, but there usually is not an option that lets you pay only when you drive and nothing at all while the car is sitting.One possible fit is pay-per-mile insurance. With this type of policy, you typically pay a base rate ea…
What happens if you hit your own car in your driveway?
If both vehicles were damaged in the same driveway accident, the best next step is to contact your insurance company as soon as possible to start a claim. How this gets handled depends on your coverage and how the vehicles are insured (as well as your specific company's policies).If both cars are o…
How long does it take to get renters insurance?
Renters insurance is usually quick to buy, fairly inexpensive, and well worth having. In many cases, you can get a quote in just a few minutes, even from your phone. While many renters still go without coverage, that can be a risky move. Even if you do not think your belongings are worth much, repl…
Will filing a homeowners claim affect your bundled auto insurance?
With Plymouth Rock, bundling your home and auto insurance can save you money, but the policies are still separate when it comes to claims.If you file a homeowners claim, it doesn’t automatically mean your car insurance rate will go up. The claim is tied to your home policy, not your auto policy.Tha…
Why is my hurricane deductible so much higher than my regular deductible?
With Kin Insurance, and many other home insurance carriers, this is actually very normal. Most insurers in hurricane-prone areas use separate hurricane deductibles, and they’re usually higher than your standard one.The big difference is how they’re calculated. Your regular deductible is typically a…
Why does insurance care where water damage came from?
With Plymouth Rock (and any insurance company) where water comes from matters a lot because different causes are covered in different ways.Not all water damage is treated the same under a policy.For example, damage from a burst pipe or sudden leak inside your home is usually covered. That’s conside…
Why did Hippo ask for an inspection after they already gave me a quote?
With Hippo, getting a quick online quote is often just the first step. In some cases, the company may still require a home inspection after the policy is issued. This is pretty common and isn't a red flag.The first quote is usually based on the information you provide, along with public data about …
