Personal questions most 
people ask first

Insurance rates are based on many factors besides your personal driving record, including repair costs, medical expenses, severe weather, theft, litigation, inflation, and statewide claims experience.

Higher deductibles generally lower your premium but require you to pay more if you have a claim. Choose an amount you could comfortably pay tomorrow if your vehicle were damaged.

Rental reimbursement is inexpensive and can save hundreds of dollars if your vehicle is in the shop after a covered claim.

If your vehicle has significant value or you couldn't easily replace it yourself, comprehensive and collision coverage are usually worth considering.

Generally yes, if they have your permission, but there are exceptions. Regular household drivers should always be listed on the policy.

The insurance company typically pays the vehicle's actual cash value immediately before the loss, minus your deductible.

No. Flood damage requires a separate flood insurance policy.

Sudden and accidental leaks often are covered. Long-term leaks, wear and tear, or poor maintenance generally are not.

Replacement cost reflects what it would cost to rebuild your home today using current labor and material costs—not what someone would pay to buy your home.

If you own valuable jewelry, firearms, artwork, collectibles, or expensive electronics, scheduling them separately often provides broader coverage.

Liability coverage helps protect you if someone is injured or their property is damaged and you're legally responsible.

An umbrella policy provides additional liability protection above your auto and homeowners liability limits.

Anyone with significant assets, future income to protect, teenage drivers, rental property, boats, pools, or simply a desire for additional protection.

Not always. The impact depends on fault, claim type, claim history, company guidelines, and state regulations.