State-minimum auto liability satisfies the law, but it may not provide enough protection after a serious accident.

As your income, assets, home equity, savings, or business interests grow, your liability protection should generally be reviewed as well. Higher auto/home limits and an umbrella policy may be worth considering.

Your deductible is the amount you generally pay toward a covered property claim before insurance pays the remaining covered amount.

Higher deductibles can reduce premiums, but only choose an amount you could reasonably afford after a loss.

Learn more: Ways to Lower Your Insurance Premium

Yes.

A new roof can improve eligibility with some insurance companies and may qualify for additional discounts or coverage options. Impact-resistant roofing may provide additional benefits with certain carriers.

Keep your invoice and information about the roofing material and installation date.

Standard homeowners policies commonly do not automatically cover water backing up through a sewer or drain.

Water/Sewer Backup coverage can often be added by endorsement. If you have a finished basement, choosing an adequate limit can be especially important.

Not necessarily.

For a major loss, injury, or emergency, take the appropriate steps immediately. But for smaller losses, it can make sense to understand your deductible and potential claim amount before filing.

When practical, call us first. We can help explain your options and the claims process.

Yes. A tenant-occupied property has different risks than the home you live in.

Landlord or rental-property insurance may include coverage for the dwelling, liability, loss of rents, and other exposures associated with owning investment property.

It depends on what your business actually does.

Common business coverages include:

General Liability • Commercial Property • BOP • Commercial Auto • Workers' Compensation • Inland Marine • Umbrella

A contractor, landlord, restaurant, office, retailer, and tree service all have very different insurance exposures.

There is no single amount that works for everyone.

A good starting point is to think about the financial responsibilities that would remain if you were no longer there, including:

• Income replacement

• Mortgage or rent

• Other debts

• Children and education costs

• Final expenses

• Existing savings and life insurance

The right amount depends on your family, income, debts, goals, and budget.