What does auto insurance cover?

Auto insurance covers you, your car and others involved in a vehicular accident.

Is auto insurance mandatory?

Yes, auto insurance is mandatory in every state across the U.S., but insurance carrying laws vary. To make sure you have the right insurance, visit your state government’s transportation website.



What is homeowners insurance?

Homeowners insurance is a form of property and casualty insurance. It primarily covers your home and the stuff inside of it in the event of theft or some disasters.

Is homeowners insurance required by law?

No. Unlike car insurance, states don't mandate you insure your home. But, if you're financing a house, your mortgage lender will likely require you to get some. They don't want to lose money on their investment. And, honestly, neither will you.

how much homeowners insurance do I need?

Ideally, you should base your property coverage limits on how much it would cost to rebuild your home. That's sometimes the house's current market price, but it could climb higher. You should consider insuring over market price if your house is older, you've got other structures on your property (like a shed or four-car garage), or construction costs in your area run high, for example.

Why should I complete a home inventory?

When you purchase a home and a homeowners insurance policy, you should create an up-to-date home inventory to expedite a claim settlement if you ever need to make one. With a complete home inventory, your insurance company can verify property easier, which makes settling your claim easier. Plus, you can easily verify losses for your income tax return with an updated home inventory.

What is renter insurance?

Renter insurance is an insurance policy built to suit the needs of individuals and families who do not own the property they live in.



Why Should I Get Business Insurance?

Business insurance is a necessity that will protect your company and its assets from a disaster or lawsuit. If you think that your company is too small to be sued, think again. And if you do get sued, or if a natural disaster strikes that causes you to lose time or resources, you will not have the protection that you need to keep operating if you don’t have the right insurance. Plus, business insurance will ensure that you are never personally liable for any debts your company is unable to pay.

What steps should I take to insure my growing business?

As your business expands, you may outgrow the standard Business Owners Policy and require more protection. It's a good idea to review your insurance coverage annually and determine if any additional policies would offer a more beneficial level of risk protection.

What Is a Business Owner's Policy (BOP)?

A business owner’s policy is one of the most popular insurance coverage packages for small businesses. It combines General Liability, Property Insurance and Business Income Insurance into one convenient policy. With these three coverages, you can help protect your small business from the potentially devastating costs of property damage, lost income due to covered events and liability claims.

Does my business need employment practices liability?

If your business has employees then you are exposed for a loss related to employee practices. This isn’t just sexual harassment, it also includes unfair hiring or firing practices and unsafe work environment as well as discrimination.

Do I Need Workers' Compensation Insurance?

The answer depends on which state your business is based in, how many employees you have, if you hire contractors and if your clients require you to carry coverage.