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Frequently Asked Questions
Auto
Home
Business
Life
Health
Medicare

Auto

Who are covered by my auto insurance policy?

A personal auto insurance policy covers you, members of your family living with you that are not excluded from your policy, and anyone who does not live with you but drives your car occasionally with your permission. Please note, in your application for insurance, you are required to notify the insurance company of all the drivers in your household who may drive your vehicles regularly.

If you have a commercial auto insurance policy, check with your agent to see who are covered by your policy.

Will uninsured (UM) or underinsured motorist (UIM) coverage pay for the damage to my vehicle?

No. In Arizona, UM and UIM pay for your bodily injury only when the driver causing the accident has no insurance or inadequate insurance. Neither of these coverages covers your vehicle. You need collision coverage to pay for the repair of your vehicle.

Does it hurt my credit score if an insurance company checks my credit in order to give me a quote for auto/home insurance?

Nowadays most insurance companies use credit information in the process of determining an applicant's insurance premium. When an insurance company reviews your credit it is not for the purpose of offering you a credit card, giving you a loan or collecting a debt from you, therefore, this type of inquiry has no impact on your credit score.

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Home

Does my homeowner's insurance policy protect my home against flood or earthquake?

If you have not purposely purchased these coverages, most homeowner's insurance policies do not cover flood or earthquake.

How do I know if I live in a flood-prone area?

Visit National Flood Insurance Program's FloodSmart website, by entering your property address in the red box titled One-Step Flood Risk Profile, you can get a rating of your flood risk.

Why do I need to keep an inventory of the personal property I have in my home?

If you ever need to file a claim for lost or damaged personal property your insurance company will always want to see the proof of ownership. The easiest way to keep an updated inventory of your personal property is to take pictures of each room, and save the receipts for major purchases.

Will my homeowner's insurance cover me if my dog bites someone?

According to Centers for Disease Control and Prevention, 4.5 million Americans are bitten by dogs each year. Due to the prevalence of this problem, many insurance companies have dropped liability coverage for injuries caused by dogs altogether; others have placed restrictions on and charge more for this coverage.

Many insurance companies will not cover any dog that has prior bite history, or dogs of the following breeds:

Akita, Chow, Doberman, German Shepherd, Pit Bull, Rottweiler, Wolf-hybrid or wolf dog.

If you need liability coverage for injuries caused by dogs, check with your agent to make sure that is included in your policy.

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Business

How can I save on business insurance?

You should focus on preventing losses and controlling your risk exposure.

By having fewer and smaller claims, you have the best chance of getting the most competitive rates when you shop for business insurance.

Why should I ask a contractor for his certificate of insurance before I hire him?

When you hire a contractor to perform work on your premise or at your client's site, his operation may cause bodily injury or property damage to a third party. If he is not properly insured, the injured party may file a claim against you. Even your own insurance agrees to cover the claim, getting a claim on your record can only raise your premium in the future.

In many cases, it is recommended you require the contractor to name you as an "additional inured" on his policy. Using this approach, if you are sued for something the contractor does, his policy will cover both of you.

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Life

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Health

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Medicare

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