RESOURCES
Here are some helpful informational resources
What is covered by basic automobile insurance?
- bodily injury liability
- Personal Injury Protection (PIP) and/or medical payments for injuries and lost wages
- property damage liability
- collision
- comprehensive
- uninsured and underinsured motorist.
For an explanation of each type, click here: http://www.iii.org/article/what-covered-basic-auto-insurance-policy
Can I drive legally without insurance?
What is ``gap`` insurance?
For more details, click here: http://www.iii.org/article/insuring-leased-car
Can a newly licensed driver transport any age passenger?
How is family auto insurance coverage handled when students are away during the school year?
Do we need to buy insurance from a rental car company when we’re on vacation?
Is personal property in my car covered by my auto policy?
If a tree falls on my car at home, does my homeowner’s insurance pay for the damage?
What if I lease a car?
For more details, click here: http://www.iii.org/article/insuring-leased-car
What type of insurance do I need if I start an in-home business?
Why do I need liability insurance?
Depending on the degree of harm and the number of people injured and/or value of property damaged, a lawsuit could bankrupt your business. Even if your organization is ultimately cleared of any wrongdoing, a determined plaintiff can keep you tied up in legal proceedings for a long time, entailing significant cost to defend yourself. Liability insurance pays the cost of your defense and protects your assets.
For more details: http://www.iii.org/publications/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance
Do I need professional liability insurance?
For more details, click: http://www.iii.org/article/do-i-need-professional-liability-insurance
What does a Businessowners Policy (BOP) cover?
For a list of BOP coverages, click: http://www.iii.org/article/what-does-businessowners-policy-bop-cover
Are there different types of homeowner policies?
For more details click here: http://www.iii.org/article/are-there-different-types-policies
Is my Home Insurance Replacement Value the same as its market value?
NOTE: If you haven’t had a Home Insurance Replacement review recently, call us. We provide a free review service.
What is the difference between “replacement value” and “actual cash value” for my personal possessions and valuables?
Click here for more details: http://www.helpinsure.com/home/documents/acvvsreplace.pdf
Does my homeowners (or renters) policy cover flooding damage?
For more details, click here: http://www.iii.org/article/does-my-homeowners-insurance-cover-flooding
Does my policy cover damage from fallen trees?
For more details, click here: http://www.iii.org/article/trees-and-insurance
Are my trees and shrubs covered for damages by my homeowners policy?
Does my homeowner policy cover other structures on my property?
Do I need a special policy for jewelry, collectible or other high value items?
For more details, click here: http://www.iii.org/article/floaters-and-endorsements-special-coverage-valuables
I am planning on installing a pool. Do I need special insurance?
Why should I do a home inventory?
Click here for a free inventory format: http://www.home-storage-solutions-101.com/home-inventory-forms.html
We purchased and moved into a new home, but have been unable to sell our previous house. Does my homeowner’s policy cover my vacant house?
- Vandalism and glass breakage are not covered at all. In fact, newer homeowners forms often exclude any ensuing loss started by vandalism (i.e., vandals burn the house down!).
- Most homeowners insurers won’t continue to insure a vacant home. If your policy is canceled or nonrenewed for vacancy reasons, there are only a handful of insurers willing to insure a vacant home. For the customer, either the coverage is very limited but the premium is reasonable, or the coverage is as good as the homeowners policy but the premium cost is 4-5 times greater.
Another strategy if you are actively trying to sell the property is to ask your realtor to “stage” your house with rented furniture. A house staged attractively will sell faster and usually at a higher price than a vacant property. So while the property may be unoccupied, it does not meet the definition of vacant and you can continue regular coverage.
For more information visit: https://www.irmi.com/articles/expert-commentary/managing-the-risks-of-a-vacant-home
We have an RV sitting in our yard. Is it covered for damages by our Homeowner’s Policy?
not covered by your homeowner’s policy. Physical damage is not automatically covered. An RV must have specific collision and comprehensive insurance to pay for damage losses. Call us for more information about the benefits and cost.
Is boat insurance required for my leisure boat?
Is ATV insurance required?
Why should I buy an ATV insurance policy?
Is snowmobile insurance required?
Why should I buy a snowmobile insurance policy?
New Hampshire
Massachusetts
Other
- U.S. Naval Observatory (accurate time, time zones, sun and moon rise)
- Tides & currents