FAQs
Homeowners Insurance
    Q: What is homeowners insurance? Answer ...
    Q: What do I need to know when purchasing homeowners insurance? Answer ...
    Q: What is "actual cash value"? Answer ...
    Q: What is "replacement cost"? Answer ...
    Q: Where and when is my personal property covered? Answer ...
    Q: Should I purchase earthquake coverage? Answer ...
    Q: Should I purchase flood coverage? Answer ...
Auto Insurance
    Q: When purchasing automobile insurance what should I consider? Answer ...
    Q: Does my insurance policy cover a friend if I loan him/her my car? Answer ...
    Q: What is collision physical damage coverage? Answer ...
    Q: What is comprehensive physical damage coverage? Answer ...
    Q: How can I lower my automobile insurance rates? Answer ...
Life & Health Insurance
    Q: How much life insurance should an individual own? Answer ...
    Q: What about purchasing life insurance on a spouse and on children? Answer ...
    Q: Should term insurance or cash value life insurance be purchased? Answer ...
    Q: How does mortgage protection term insurance differ from other types of term life insurance? Answer ...
    Q: Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan? Answer ...
Commercial Insurance
    Q: What is fire legal coverage? Answer ...
    Q: What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)? Answer ...
    Q: What does 80% co-insurance mean? Answer ...
    Q: Does my policy cover physical damage to a vehicle I rent? Answer ...
    Q: Can other people drive my business vehicle? Answer ...
    Q: How does an audit work? Answer ...
   Q: Why do I need certificates of insurance from sub-contractors? Answer ...
    Q: What is General Liability? Answer ...
    Q: What does Products/Completed Operations mean? Answer ...
    Q: What is Business Interruption/Extra Expense coverage? Answer ...
    Q: What is the difference between "Named Insured", "First Named Insured" and "Additional Insured?" Answer ...

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