RV Insurance

Can I insure an RV bought from a friend if the loan is in her name?

This situation could cause a few issues. You cannot insure property that you do not own.

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Coverage & Claims

I own my car but it's still insured under my dad. Will his insurance cover my accident?

I would reach out to your dad's insurance provider to see if you can be covered. They may be willing to cover the accident since the policy is still active. If you have any questions, feel free to ask.

General Insurance

How much car insurance coverage do I need and should I get umbrella insurance?

We generally recommend basing your liability needs on your assets. From the information you've given, I would say that maxing out your liability limits and getting an umbrella policy is probably a wise decision since you own your home and vehicles and have a high net worth.

Coverage & Claims

If I get in an accident in a company car, can I use my personal insurance for claim?

Hello, Sorry to hear about your accident. In short, no, you cannot use your personal insurance to cover a wreck in a company car.

Eligibility

Is my 18-year-old son covered on my car insurance if he still lives with me?

If your son is living in your home, he needs to be listed on the policy as either a driver or an excluded driver. An excluded driver means they are not covered to drive the car at all.

Homeowners Insurance

Is there a vacancy clause in an HO 3 form for for coverage A and C?

I'm sorry, but this is a policy specific question since the vacancy clause is an endorsement (addition) to your policy to add further coverage. You'll need to contact your insurance company for the specific answer.

Coverage & Claims

Will car insurance cover replacing a window?

If the window breaking was caused by an accident, it is covered by your insurance. If it wasn't, then it is not likely to be covered even if you have comprehensive and collision coverage, as these cover damages resulting from events such as fire, theft, or vandalize, and not a malfunction with the vehicle.

Eligibility

Can I buy a vehicle in a different state than where I live?

Essentially, you need to have car insurance in the state where the vehicle will be kept. Car insurance is state specific.

Condo Insurance

Can a townhome be covered under an HO-6 insurance policy?

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.

Homeowners Insurance

How does HO-2 coverage compare with an HO-5 policy?

An HO-2 policy provides very basic coverage for your home and personal property. It covers the home when the damage is caused by specifically named events (perils).

Coverage & Claims

Should I have uninsured motorist coverage for all of my vehicles?

Uninsured motorist bodily injury coverage will follow you for injuries you sustain from an uninsured driver. However, uninsured motorist property damage will not cover vehicles that are not on your policy.
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