Frequently Asked Questions

It depends on the coverage options you choose. Since bodily injury and property damage liability insurance is required in most states, at a minimum your policy should cover vehicle and property damage, injury-related expenses for other people involved in an accident you cause, up to the state-mandated minimum policy limits.

Anyone who drives your vehicles regularly, especially if they live in your household, should be listed as drivers on your policy. Typically, your policy protects other licensed drivers not listed on your policy who occasionally drive your car, such as: Extended family (visiting grandparent(s), parent(s), aunt/uncle(s), niece/nephew(s)). Friends (sharing shifts on a road trip). Boyfriend/girlfriend (who doesn’t live with you).

Loan/lease gap insurance is an optional coverage that can help pay off your car loan or lease if your car gets totaled or stolen and you owe more than the car's actual cash value.

Where available, you may qualify for savings with safe driver, multi-policy insurance bundles, multi-car, and good student discounts, to name a few. Additional discounts may be available if you are insuring a new or hybrid/electric car or own a home. You could save based on how you choose to pay as well as when you pay your car insurance premium in full.

The structure of your home Other structures on your property (e.g. garage, shed) Your personal belongings Additional living expenses if you cannot live in your home due to a covered loss or repairs Your personal liability or legal fees Valuable items (extra coverage can usually be added)

Umbrella insurance is additional personal liability coverage that can offer an additional layer of protection beyond what your homeowners insurance can provide.

Discounts are possible. Some ways you can receive discounts are through having multiple policies, security systems or fire protective devices, certain smart home technologies, “green” home certification, loss-free history, and more.

Renters insurance can help cover your belongings, your housing costs if you must relocate temporarily, your personal liability including defense costs, medical bills for others and more.

How much would it cost to repair or replace my belongings? How much of a deductible can I afford to pay if I have a loss? Do I have any valuables that require extra protection? Do I have visitors to my rented apartment or home? Have I made any improvements to my rental that are worth protecting? Do I qualify for any discounts? What personal activities (including sports) do I participate in? What damage might my children or pets cause?