All Questions

That depends on what parts of the property you are responsible for. If the townhouse shares walls and you are not responsible for the outside of the property but own the townhouse (like a condominium) then you qualify for an HO6. If you own the outside structure, you may need a regular homeowners p…

You only pay a deductible for collision or comprehensive claims, not liability coverageIf you do not file a claim to have your car repaired you do not have to pay your deductible. Your liability insurance will pay for the damages to the other vehicle. Liability coverage does not have a deductible, …

Yes, you can have two separate policies. This can have its benefits in some cases. However, you will still need to be listed on each other's policies as household members/spouses but you can be excluded. Being excluded means you would not be covered under the policy at all. With that being said, it…

In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. State Farm and GEICO have different loss histories and net profits, and therefore will have different quotes (with no reason or incentive to match…

Typically, you have up to 14 days to add a new vehicle to your policy. Every company is different so always check with your specific insurance company for their guidelines. However, if you do not add the car to your current insurance and happen to get into an accident before your new policy starts,…

HO-1 through HO-6 policies differ in covered perils, property types, and protection levelsGood question! These numbers correspond to either home, renters, or condo insurance. Here is a simple breakdown:HO-1: Basic form — this only covers you from 10 named perils. "Named-peril" means that your home …

Regardless of where you live, if you are financing a vehicle you need to have it registered in your name. You can put the car insurance in someone else's name but insuring a vehicle you don't own can be challenging and you would still need to be listed on the policy. You will also need to list your…

An IID, or ignition interlock device, is usually only required if you own a vehicle. I would contact a lawyer because I (an insurance agent) cannot answer this for you. You might be able to get your IID requirement waived if you submit a declaration of non-ownership. This states you do not own a ve…

You will actually need to get commercial insurance as a delivery driver. This type of policy is specifically designed for vehicles tied to a business or otherwise used for business purposes.If you were going to drive for a rideshare company like Uber or Lyft, you could simply get a personal auto po…

Unfortunately, using your roadside assistance is considered a claim since you are using coverage on your policy. Most insurance companies will allow you to use your roadside assistance three times. This may be why your insurance rates will go up after the third claim. Since having roadside through …