Frequently Asked Questions

Are the people living in your household automatically covered by your insurance when driving your vehicle?
This is not always the case. Many insurance companies require all household member to be added or excluded from your insurance policy.

Are you automatically covered when using your vehicle for deliveries, i.e. Pizza, newspaper?
Using your vehicle for anything other than personal use or commuting should always be discussed with your insurance agent.

Can I schedule my ATV on my homeowners policy?
Yes. However, once you take the ATV off your residential premises, your liability may not be covered.

Do I need flood insurance if I am not in a flood zone?
If you do not have flood insurance and a flood damages your home, you will not be able to get assistance from the federal government.