Frequently Asked Questions About Insurance
Find answers to common insurance questions with Family Insurance Agency.
Learn about coverage for vandalism, golf cart accidents, private property, and more.
Yes, comprehensive car insurance typically covers vandalism. This type of coverage protects your vehicle against damage caused by intentional acts of destruction, such as keying or breaking windows.
Car insurance usually does not cover golf cart accidents. Golf carts are often considered recreational vehicles, requiring separate golf cart insurance for proper coverage. However, some homeowners policies may offer limited coverage.
Yes, car insurance usually covers accidents on private property, depending on the policy. Liability and collision coverages can apply, protecting against damages and injuries occurring in driveways or parking lots.
Homeowners insurance often provides limited coverage for belongings in storage units, usually a percentage of your personal property limit. This can help protect items from risks like theft or fire while in storage.
Homeowners insurance may cover damage caused by a contractor, but the contractor’s insurance should be primary. Always ensure your contractor has proper liability insurance before starting any work.
Homeowners insurance generally doesn’t cover personal injury to the homeowner. It primarily covers injuries to guests or third parties on your property. For personal injury protection, consider health or personal accident insurance.
No, vehicles in the driveway are typically covered by auto insurance, not homeowners insurance. Comprehensive or collision auto policies are needed to protect against vehicle damage.
The cost varies based on factors like home value, location, and coverage limits. Contact us for a personalized quote to find the best coverage and rates for your home.
The insurance check usually goes to the policyholder or the lienholder if the vehicle is financed. The payout is based on the car’s actual cash value at the time of the total loss.
Policy delivery involves providing the insured with the insurance policy documents and details. It includes the declarations page, coverage forms, and any endorsements or exclusions.
Tertiary insurance is a third layer of insurance coverage, usually after primary and secondary insurances. It’s less common and often applies in complex or high-risk scenarios.
A certificate holder has proof of insurance coverage, while an additional insured is a person or entity added to the policy for coverage. Additional insured status provides direct protection under the policyholder’s insurance.
No. Territorial Law prohibits coverage beyond the USVI. We recommend purchasing physical damage and liability coverage from your rental provider, also check your credit card holder for insurance coverage opportunities.
