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What is the 80% rule in homeowners insurance?

As you stated, your home is covered up to 150% of the dwelling amount so this is not something you should be considered about. However, it is a good example of why it is so important to properly insure your home.

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Can I get a refund if I was double insured?

Thanks for reaching out to The Zebra! I can see how this is confusing for you.Now, it's normal for other drivers to be listed on a policy if they live in the same house as the insured and could possibly drive their car, but insurance laws prohibit someone from having duplicate car insurance co…
Jul 19, 2023 Joliet, IL

Is it cheaper to insure two older vehicles, versus one new car?

Thank you for reaching out to The Zebra! The best answer to your question is: it depends. The price can vary quite drastically if you were to rate one newer vehicle versus two older vehicles. The cost of car insurance isn't as cut-and-dry as simply comparing a new car with an old car, but many…
Jul 19, 2023 Central Point, OR

Why am I getting quotes that are so drastically different?

Thank you for reaching out to The Zebra!Insurance quoting and rating is a very complex process, and it can get a little confusing. When you quote something on our website, the coverages you were quoted might not be exactly the same which can cause variances in the price. Specifically in Florida, th…
Jun 15, 2023 Mt. Dora, FL

How can my current insurer offer me a lower quote online?

Thank you for reaching out to The Zebra! There are a number of reasons that a quote can be different with the same company. One reason is that one of the quotes could have had all the reports run, while another might not have. The "reports" I'm referring to are things we insurance fo…
Jun 1, 2023 Indianapolis, IN

Can someone with power of attorney make changes to a car insurance policy?

Thank you for reaching out to The Zebra. These are excellent questions!Because you have power of attorney, you are legally allowed to make decisions on behalf of your husband. If you contact his insurance company and provide a copy of the power of attorney you should be able to make any changes, li…
Jun 1, 2023 Louisville, KY

Does my age matter for homeowners insurance rates?

Thank you for reaching out to The Zebra! This is a great question. Car insurance is much more dependent on your age than home insurance. When it comes to home insurance, the age of the house is usually a much more important factor than the age of the homeowner! However, some carriers will use your …
Mar 30, 2023 Union Gap, WA

Do I need gap insurance if I have full coverage?

Thanks for reaching out to The Zebra! Let's dive into your question and provide some clarity.First, whether or not you need gap insurance depends on a few factors: whether or not the car is brand new, how much of a downpayment you put down, how well it holds its value, and whether or not gap i…
Mar 22, 2023 Detroit, MI

How can I get cheaper insurance after a reckless driving charge?

Thank you for reaching out to The Zebra. This is a great question, and I'm sure the high rate is getting frustrating after almost three years. Reckless driving is, unfortunately, considered a major violation. However, these violations typically start to fall off your record after a period of t…
Mar 13, 2023 Central, SC

Can my bank charge me for car insurance?

Thank you for reaching out to The Zebra. This is an excellent question! When you finance a vehicle through a credit union or bank, they will require you to carry state minimum coverages, as well as comprehensive and collision coverage, on your vehicle. When you get approved for an auto loan the len…
Mar 6, 2023 Detroit, MI

What is the difference between personal property and building property?

Greetings!Thank you for reaching out to The Zebra. This is a great question that can go in a few different directions. But first, let's address how these are different. Personal property coverage will provide coverage to any personal belongings in the home. Basically, if you were to take the r…
Mar 6, 2023 Chicago, IL
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