Insurance Experts Q&A

Other Recent Questions

• Why does it take longer to get an insurance quote for a business policy than for an auto policy?

• How do insurance companies calculate workers compensation premiums?

• Is there a difference between personal no fault and personal injury protection?

• How are collision and comprehensive coverage different?

• Why can't some businesses purchase errors and omissions insurance?

• Will my homeowners insurance cover my car if my garage burns down?

• What is the other than collision coverage on my car insurance?

• Does my automobile insurance cover me against hit-and-run accidents?

• What is uninsured motorist coverage?

• Is long term disability insurance worth it?

• How do I go about offering health insurance to my employees?

• How much homeowners insurance should I purchase?

• How is rental home insurance different than homeowners insurance?

• Will the insurance company pay my claim if someone else was driving my car?

• What is the physical damage coverage on my auto insurance policy?

• What is employer's liability on a worker's comp policy?

• What is the difference between universal and whole life insurance?

• Should I buy key person insurance for any of my employees?

• Can my insurance company cancel my homeowners policy after I file three claims?

• What is universal life insurance?

• Will my auto insurance cover a rental car?

• Are my comprehensive and collision premiums affected when my car loses value?

• Am I safe if I only have group life insurance through my employer?

• When do I need to add an additional interest to my insurance policy?

• Should I get my home and auto insurance from the same insurance company?

• When should I file an auto insurance claim?

• What is personal liability insurance?

• Does my car insurance cover bodily injury and property damage?

• Can I cancel my auto insurance at any time?

• Will long-term care insurance cover the cost of staying in a nursing home?

• How much life insurance should I buy?

• Why do some insurance companies offer life insurance for children?

• What is co-insurance and what effect does it have on my health insurance?

• Do my commercial property premiums have anything to do with my building's ISO rating?

• What is a high deductible health insurance policy?

• Should I get long-term care insurance?

• Does my credit rating have any effect on my auto insurance premiums?

• Does my homeowners insurance policy cover damage from hail?

• What do insurance companies consider a pre-existing condition?

• Do I need to get workers comp coverage for independent contractors?

• Should I buy flood insurance?

• Do I need to purchase insurance for my boat, or will my home insurance cover it?

• Does my credit score have any effect on my insurance premiums?

• What should I look for in an insuring clause?

• What is a waiver of subrogation?

• Will homeowners insurance cover damage from a nuclear explosion?

• What is the difference between a captive agent and an indepedent agent?

• Why does my business get audited by my insurance company each year?

• How do tenant's improvements and betterments affect my insurance coverage?

• When does an insurer reassess a policyholder's exposure?

• How is term life insurance different than whole life insurance?

• Can I avoid the penalties of a short rate cancellation?

• How are my premiums affected by living in a flood zone?

• What kinds of insurance policies have a guaranteed insurability option?

• How do insurance companies calculate exposure?

• How does coinsurance affect my building insurance?

• Are there any exclusions in vandalism and malicious mischief (VMM) insurance policies?

• Should I work with an insurance agent or a broker?

• Why do life insurance policies have aviation exclusions?

• What kind of renovations count as tenant's improvements and betterments?

• Is the date of inception of the insurance policy different than the effective date of the policy?

• Is flat cancellation an option for every insurance contract?

• Is flood damage covered by homeowners insurance?

• Should I get replacement cost or actual cash value coverage for my property insurance?

• Should I purchase a personal umbrella policy?

• How are partial loss insurance claims handled?

• Are there ways to reduce my premium if I am deemed a substandard risk?

• Will I have to pay more for an insurance policy because I'm young?

• Does changing my insurance company affect my credit score?

• How should I insure a vacant building?

• Can an employee sue my business if I have workers comp?

• Is my car still considered a personal passenger car if I sometimes use it for work?

• What is an independent insurance agent?

• What does "replacement cost" mean?

• Does the way I pay for my insurance affect my premiums?

• What kind of insurance will cover my jewelry for theft?

• Is debris removal covered by a homeowners insurance policy?

• What is actual cash value?

• How does a business owners policy (BOP) differ from general liability insurance?

• Do I need proof of purchase for stolen items to file a burglary insurance claim?