What is not covered under a homeowners policy?

Earthquake coverage is not included on a standard policy — however, it can usually be endorsed for an additional premium. The most important excluded coverage is flood insurance, which can be purchased as a separate policy with specified limits. Please contact a HUNT Insurance specialist today for a free consultation to discuss your options.

When should I start looking for homeowners insurance when buying a house?

When purchasing a new home, we strongly suggest you start looking for insurance as soon as you have your commitment letter. This will give you plenty of time to research your options, so you won’t be left scrambling when you receive your clear to close.

Why am I asked who I live with when selecting auto insurance?

Most auto insurance companies will ask you who resides in your household, regardless of age. A driver can be anyone who has the knowledge and ability to drive, even if they don’t have a license, and theoretically anyone who lives with you can access your vehicle. Most importantly, we want to ensure the children in your home are included on your policy so you have adequate PIP coverage.

Drivers in your household with their own insurance can be excluded from your policy.

What is no-fault coverage?

No-fault insurance, also called personal injury protection (PIP), is a mandatory coverage designed to pay promptly for economic losses (medical/health expenses, lost earnings, and certain other reasonable and necessary expenses related to sustained injuries), regardless of who is at fault or whether there was any negligence. Basic no-fault coverage includes up to $50,000 per person, including the driver, all passengers injured in your car, as well as any pedestrians injured by your car because of its use or operation in New York State.

No-fault is a personal injury coverage and does not pay for repairs for your car or any other party’s motor vehicle or other personal property. The purpose of no-fault insurance is to restore individuals hurt in auto accidents to health and productivity as swiftly as possible.