FAQ - Insurance 101

Below you will find a list of frequently asked questions. If you have additional questions not found on this list please contact us and we will get back to you with answers as soon as possible.

Insurance Questions

Is flood automatically covered under my Homeowners policy?
Flood is not covered under a Homeowner, Dwelling Fire or Rental Insurance policy. Floods are the most common and costly natural catastrophe. Floods are nature’s number one disaster. You do not have to be in a Flood zone to purchase Flood Insurance. Call your insurance Agent today to obtain a Flood quote. It can be purchased as a separate policy through the National Flood Insurance Program.

Is earthquake automatically covered under my Homeowners policy?
Earthquakes are not covered under a Homeowner, Dwelling Fire, or Rental Insurance policy. You do not need to reside in California to be affected by earthquakes. Many of our homes today sit on fault lines. This coverage can usually be added to your policy by endorsement for an additional premium. Call your Insurance Agent for a quote.

Is fire automatically covered under my Homeowners policy?
Fire Coverage is automatically covered under all Homeowner, Dwelling Fire and Rental policies.

When I rent a car does my insurance cover my rental?
Insureds need to purchase Comprehensive and Collision coverage through the rental carrier so they will have the Loss Damage Waiver to protect themselves from gaps in coverage from their personal auto policy. It will also protect the insured from diminution in the value, should they be involved in an accident. The protection also extends to loss of use, should the rental vehicle be in for repairs.