Insurance: Frequently Asked Questions
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.
Auto Insurance FAQs
What does auto insurance cover?
Auto insurance provides coverage for you, your vehicle, and others involved in a car accident. Typically, coverage includes things such as medical expenses, damage to your car, and damage to the other person’s car or property.
Is auto insurance mandatory?
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.
What happens if I don’t get auto insurance?
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, Condo & Renters Insurance FAQs
What does homeowners insurance cover?
Homeowners insurance policies vary in coverage they provide; however, policyholders generally receive the following coverage:
- Dwelling Coverage
- Personal Property
- Other Structures
- Loss of Use
- Personal Liability
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.
Why do I need renters insurance? Doesn’t my landlord’s insurance policy protect my stuff?
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 FAQs
Is flood insurance expensive?
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!
How soon does a flood insurance policy go into effect?
In general, flood insurance policies have a 30-day waiting period before the policy goes into effect.
I don’t live near water — do I need flood insurance?
Yes — just because you don’t live near water doesn’t mean a flood can’t occur in your home. Floods are the most common form of natural disaster in the nation, affecting more homes in the U.S. per year than fires. These natural disasters are caused by storms, snow, hurricanes, and insufficient draining systems. Secure flood insurance coverage from Birtwhistle & Livingston today!