Frequently Asked Auto and Home Insurance Questions in Milton, PA

When it comes to protecting your most valuable assets, it’s natural to have questions. Auto and home insurance can seem complex, but understanding the basics may make it easier to choose the right coverage. The following are some of the most common questions people in Milton, PA ask.

What Does Auto Liability Insurance Cover?

Auto liability insurance may help pay for injuries or property damage you cause to others in a covered accident. It typically includes both bodily injury and property damage liability.

Do I Need Comprehensive and Collision Coverage?

If your vehicle is financed or leased, these coverages are often required. Even if they aren’t, they may be worth considering to help cover repair or replacement costs from accidents, theft or noncollision damage.

What Does Standard Home Insurance Include?

A typical home insurance policy may cover your dwelling, personal belongings and liability for injuries or property damage to others. It may also provide coverage for additional living expenses if your home becomes uninhabitable due to a covered loss.

Does Home Insurance Cover Personal Items Outside the Home?

Many policies include some coverage for personal belongings even when they are away from your property, such as in your car or at a temporary residence. Coverage limits and exclusions may apply, so it’s important to review your policy details.

Is Flood Damage Covered Under Home Insurance?

Flood damage is usually not included in a standard home insurance policy. Separate flood insurance is generally needed to protect your property from this type of loss.

Understanding these basics can help you make informed decisions about your coverage. For guidance tailored to your needs, D'Arcy D Sampsell LLC can review your current policies and recommend options that fit your budget and goals. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.