Buying insurance is an essential but complicated task. At Seabrokers, we are always ready to help and answer all of your questions. However, we also know that you are probably doing some research online before visiting one of our locations or reaching out to us by phone. So, we decided to make things even easier for you.
Below you will find answers to five of the most common questions about insurance.
Does my credit score affect my premium?
In short, yes. Regulatory associations understand there is a direct link between credit scores and chances of policy holders getting into accidents or not paying their premiums.
When my car is in the garage, is it covered under my homeowners or car insurance?
Typically, your car is covered on your auto insurance, even when it is parked inside your garage. To make sure you recover your car in case of loss due to a house fire, for example, you should buy a more comprehensive policy, which covers physical damage.
Auto insurance: does it cover the car or the driver?
There are different types of coverage, so you can pick a policy that covers both. The most basic auto insurance covers damage to your car, no matter who is at fault for the accident. Nevertheless, the option to include medical expenses is standard for most policies, which covers the driver and all passengers.
Is my personal property covered outside of my home?
Yes! If you buy personal property insurance, your property will be covered anywhere in the world. So, if you purchase an item outside of the state or country and want to take it home, this type of policy will cover it during the shipment process.
What kind of personal information do insurers need?
To begin with, the agent will need basic information such as name, age, gender, address, make and model of your car and so on. Moreover, they might need to ask some questions to understand what types of insurance you will need and to determine how likely you are to make a claim. For auto insurance, for example, your driving record is extremely important.