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Homeowners Insurance

Will my homeowners cover liability for small businesses?

Your homeowner's policy will not cover anything involved with the business unless you have a specific endorsement on the policy for an in-home business. You will want to check with your agent for your policy specifics.
Feb 15, 2019 Urbana, OH

General Insurance

If I am leasing a car and die before the end of the lease term, can I buy insurance to cover that?

I recommend getting a life insurance policy is this is something you are concerned about. To my knowledge, there is not coverage within auto insurance that would help with the death of a policyholder.
Feb 2, 2019 Cleveland Heights, OH

General Insurance

How do I cancel my insurance policy?

No, you will not be committing insurance fraud. You don't have to give a reason for canceling your policy at all.
Jan 31, 2019 Cincinnati, OH

General Insurance

Can lienholder be responsible in car accident?

If you keep the car registered in your name, there is a possibility that you could be held liable for damages that exceed the driver's policy. It is not common, however, there is still a chance.
Jan 12, 2019 Cincinnati, OH

Coverage & Claims

What happens to the rest of future premium if policyholder dies?

The estate should get a refund on the prorated premium that was paid for before the policy canceled. You will need to contact the insurance company right away to cancel the policy.
Dec 29, 2018 Cincinnati, OH

Car Insurance Costs

Do I have to be added to my dad's policy?

You really should just be added to his policy. It is typically cheaper than having your own policy plus if your dad drives the car, he would need to be listed on your policy.
Dec 14, 2018 Akron, OH

Coverage & Claims

What happens if a stolen vehicle is recovered before the insurance payout?

You need to report to the insurance company, that the car was recovered right away. The insurance should cover you for any damage that was caused, like having the keys stolen.
Dec 14, 2018 Cleveland, OH

General Insurance

I got into an accident in a no-fault state but I live in a fault state

Just to clarify, no-fault only refers to bodily injury - not property damage. If you no one was hurt, as you said, that would not be a factor here.
Oct 15, 2018 Sardis, OH

Coverage & Claims

Why won't my insurance cover a hit and skip to my car?

I think I am missing some information. I don't know what you mean by they will not cover the damages because you live in Ohio.
Oct 7, 2018 Delaware, OH

Coverage & Claims

Who to file a claim when the at-fault driver didn't own the vehicle?

In this instance, you may be able to have the owner of the car's insurance pay for the damages depending on their policy. If they have a permissive use policy, and the driver had permission to drive the car, they should pay for your damages.
Sep 20, 2018 Wooster, OH
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