Insurance policies from Birtwhistle & Livingston, Inc. ensure that you, your loved ones, and your personal belongings are well protected when the unexpected happens. When securing an insurance policy from Birtwhistle & Livingston, you may have lingering questions. We’ve put together a list of the most frequently asked questions we receive from current and potential policyholders to help provide the answers you need.
If you don’t see the answers to your insurance-related questions listed below, feel free to reach out to your Birtwhistle & Livingston insurance agent at (201) 568-5001.
Your current general liability coverage may protect your business against a minor misfortune. However, it will not be sufficient in the event of a major lawsuit. Umbrella insurance can prevent your business from suffering a catastrophic loss.
Yes — you must have auto insurance on a registered vehicle in the United States. However, insurance carrying laws vary from state to state. Be sure to reference your state government’s transportation website to understand insurance requirements.
The penalties for not having auto insurance can be severe. If you get into a car accident and are uninsured, you can be sued by the other party and be fined. Additionally, there may be more severe punishments for driving while uninsured.
Homeowners insurance policies vary in coverage they provide; however, policyholders generally receive the following coverage:
For more information about the breadth of coverage offered by your homeowners insurance policy, refer to our service page or reach out to your Birtwhistle & Livingston agent.
Even though your landlord may have an insurance policy that helps cover the building in which you reside, this policy will not provide coverage for your personal belongings. In order to get coverage for electronics, clothing, and furniture, you need to have a renters insurance policy.
Flood insurance cost varies based on flood elevation mapping and helps homeowners avoid the cost of repair and replacement following catastrophic water damage. Find out what policies you may be able to afford by contacting Birtwhistle & Livingston today!
In general, flood insurance policies have a 30-day waiting period before the policy goes into effect.
