Renters Insurance

If my insurance policy covers power surge do they send an adjuster to my residence?

If your renter's insurance covers power surge damage to your property, your insurance provider will let you know what steps need to be taken. They may have an adjuster go look at the damages or have you send in photos.

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Coverage & Claims

Do I have to disclose a claim on quotes that was handled under another party's insurance?

If the other party handled this claim on their insurance because you were not at fault, the claim should not affect your insurance rates or quotes going forward. If you decide to proceed with an application and do not disclose this claim, the insurance company’s underwriting department may find this regardless of whether you told them or not.

Renters Insurance

If you don't have a receipt for goods, do renters still get paid for property loss?

You can file a renters insurance claim without receipts, but you should keep an up-to-date inventory of your personal belongings with photos and get an appraisal for big ticket items. Your insurance company will let you know what all would be covered under your policy and if you would be reimbursed actual cash value or replacement cost for property lost.

General Insurance

How do I determine if I need an umbrella policy?

If you have assets you are trying to protect and have maxed out your liability limits, I would recommend getting an umbrella policy. They tend to be very inexpensive and will offer more robust coverage.

Coverage & Claims

Do I have to pay the 2% plus my standard deductible if I had a house fire?

Sorry to hear about that. It sounds like you would only pay the 2% deductible and insurance should handle the rest.

Coverage & Claims
Eligibility

If I give my daughter in Texas my car, does she need full coverage or liability?

Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.

Homeowners Insurance

How soon after switching home insurance policies can you make a claim?

Hopefully, you will not need to file a claim, but insurance will follow the effective date. If your policy takes effect January 1st, 2020, then that is the first date that a claim would be honored.

Car Insurance Costs
General Insurance

Will an unreported car accident affect my premium?

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.

Condo Insurance

Who is responsible for installing a handrail in a strata condo complex?

If it's part of a common area, the homeowners association (HOA) would be responsible for maintaining those areas. Since this is a safety issue, I'd bring this up with your HOA about making improvements.

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.

Eligibility

Can I rent a car for my grandson to drive?

It's not likely that any rental company will allow this. Most car rental companies require drivers of their vehicles to be at least 25 years old.
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