Frequently Asked Questions

The best time to learn about what's included in a basic homeowners or automobile insurance policy is before you have a claim.

We've gathered the answers to the most common "Am I covered if ... " questions about your home and auto insurance policies to help you minimize any coverage surprises.

If a friend drives my car, is he or she covered by my policy?

Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she should be covered under your policy.

Yet, your premium is based on both your vehicle and the “primary” driver of that car—you. If someone else starts driving your car more than you do, contact us to have them added to your policy to avoid coverage complications.

If I borrow a friend's car and have an accident, who pays?

When you borrow someone else’s car and are involved in an accident, his or her insurance will kick in first.

However, beware of driving someone’s car if he or she has little or no insurance, as your policy could be triggered once their limits are exhausted.

My golf clubs were stolen from my vehicle. Am I covered?

Your homeowners insurance policy provides coverage for personal property, regardless of where you are.

However, if your golf clubs are old, consider buying a replacement cost endorsement for your personal property. This way you will get what it costs to replace the golf clubs, less the applicable deductible.

My children have left home for college. Do I still have to include them on my policy?

Yes, because when your college students come home to visit, they will have access to the family car.

You may be eligible for reduced premiums if the college is more than a certain distance (100 miles, for example) from your home. Check with us on specifics.

An uninsured driver totaled my car! Who pays?

Your collision coverage or your uninsured motorist property damage coverage pays, if you bought it. Either way, you'll have to pay a deductible.

I caused an accident and am being sued by the other driver. Am I covered?

Yes. The liability portion of your insurance policy guarantees your insurance company will defend a claim or lawsuit on your behalf, up to your policy’s limits of liability.

Does rental reimbursement provide coverage if I take my care to a shop for mechanical repairs?

No. Rental reimbursement is for cars that are being repaired as a result of accidents or other insured damages (storm damage, etc.).

If my iPod is stolen from my vehicle, is it covered under my automobile insurance policy?

Almost all auto insurance policies exclude coverage for any losses of media players and other sound transmitting or receiving equipment used in an automobile. For added protection, check with us about purchasing additional coverage for the stereo and media players used in your vehicle.

What happens if I have a fire? How do I collect for my personal property?

Whether your policy pays for the replacement or just the actual cash value of your possessions, you will be paid for personal property that you can show you owned at the time of loss.

It is a very good idea to keep an up to date inventory in a secure place. Also, to help you remember what you had, it is helpful to take pictures or video of each room.

I have insured antique items listed on my policy. If I have a total loss, do I recieve payment for the full insured value?

We will first confirm the value of the items with one or more independent antique dealers. You should then be paid a dollar value based on the dealer(s) estimate of the worth of the antique items.

The best way to insure your antiques? Get appraisals and establish the stated values in the policy.

If my sump pump fails due to water backing up through the sewers, am I covered?

No, but you can easily add a sewer and backup endorsement to your homeowners policy to cover the loss.

Is my boat covered?

Theft to watercraft, including furnishings, equipment and outboard motors, is typically excluded if the theft occurs outside your residential premises. To cover your boat and its accessories, you need a separate boatowners insurance policy.

During a storm, a tree from my neighbor's yard fell and destroyed my fence. Who pays for the loss?

Generally, your own policy should cover the loss. Our agency may be able to recover the amount paid for the loss from the neighbor’s homeowners insurance if the loss occurred as a result of your neighbor’s negligence.

If I have water damage from a rainstorm, am I covered?

No, a separate flood policy is needed to covers losses to your property caused by flooding. As long as your community participates in the National Flood Insurance Program (NFIP), you’re eligible to purchase flood insurance. We can assist you in determining if your community participates in the NFIP.

How can I be sure I have the right coverage?

A complete review of your policy is the only way to determine what property is covered and what perils are insured against. We can help you identify your risks and explain what’s included in a homeowners insurance policy, including the standard limits of coverage on property insured such as money, watercraft, theft of jewelry, and silverware. Contact us today to learn how we can help you insure your home, auto and life.

PLEASE NOTE: IT IS IMPORTANT TO ALWAYS READ YOUR POLICY THOROUGHLY TO ENSURE WHAT YOUR POLICY COVERS AND WHAT IS EXCLUDED FROM COVERAGE. SOME OF THESE ANSWERS MAY NOT BE ACCURATE FOR YOUR POLICY DUE TO EXTENSIONS OR EXCLUSIONS LISTED ON YOUR PERSONAL POLICY. IF YOU EVER HAVE ANY QUESTIONS REGARDING YOUR POLICY PROVISIONS, CALL YOUR LOCAL PDCM INSURANCE AGENT. WE ARE HERE TO HELP!