Asked by Zhishen Ge from MI Hi Zhishen, thanks for asking. The best way to make a change to your renters policy is to contact the agent or insurance company that sold it to you. They will have insight into what you need and can pull up your existing policy to see where you’re lacking … Read more
Asked by Bruce from Massachusetts The easy–and good–answer is yes! A homeowners umbrella policy is designed to increase the limits of a home insurance policy. If you’d like more information, check out this article on umbrella policies. Please note: InsureMe Answers is not intended to be a substitute for advice from a licensed professional. For … Read more
Asked by Anonymous from United States The good news is — yes it does. Homeowners will cover your home, auto insurance will cover your car and health insurance would cover any personal injuries received by a lightning strike. To get more indepth information, you can read our article “Lightning Claims Shocking“. If you’d prefer, you … Read more
Asked by Carlos from California Note: Flood damage is NOT covered by homeowners insurance Carlos: Flood insurance is available through the National Flood Insurance Program (NFIP) as well as a handful of private insurers. Policies can either cover flood-related damage to your house or possessions or both. According to III.org, the web site of the … Read more
Asked by MB from Iowa Great questions! Here’s my response to the first: 1. “If a tree in my yard falls on neighbor’s roof, does my insurance pay for the damage?” It depends. If the tree is clearly dead, old and/or structurally compromised, it’s your responsibility to deal with it. If it falls on your neighbor’s … Read more
Asked by Kathleen from Denver, CO Good question, Kathleen! If you’re leasing out your house, you’re still responsible for protecting it with landlord insurance, a type of homeowner’s plan that covers the dwelling, any other structures on the property such as garages or sheds, and any personal property that remains on-site for renters to use, … Read more
Asked by Steph from Cuba City, WI Steph: Thanks for the question. Yes, most (if not all) lenders require that you have homeowners insurance in place before closing. Before you buy a policy, be sure to shop around. Services like InsureMe.com make it easy to get multiple quotes from competing insurance companies. Also, make sure … Read more
Asked by Lou from Boston, MA Lou: That’s a great question. It’s likely that the laptop is covered under your homeowners insurance policy. Before you file a claim, check your Declaration Page to find out if and to what extent your personal property is protected outside the home. Policies vary on this. Some insurers will … Read more
Asked by Deborah from GA Hi Deborah, Excellent question! You may have heard that insurance coverage levels vary from state to state, so you’re wise to inquire about what’s required in your state to avoid possible fines and financial problems following an accident. In Georgia, the only liability coverages you’re required to carry by law … Read more
Asked by Jim from IL Here’s an answer from Don, who is an agent with Promise Insurance (www.PromiseInsurance.com). Generally, a coupe has 2 doors (versus a sedan that has 4 doors); but this isn’t always the case. A car is technically defined as a coupe when it has less than 33 cubic feet of space … Read more