Some Good Insurance Related Questions

We recommend asking your agent a series of questions to better understand what your insurance covers and does not cover. 

• Do I need a personal umbrella? What does it cover?  What limit should I have?
• I drive for a ride-share company. How am I covered?
• What is replacement cost coverage, and why is it important?
• What happens if I rent a car and go both domestically and abroad? What coverage would my insurance have? 
• My homeowners' deductible, what is it? How would it be waived? When did I most recently file a homeowners claim? 
• What would happen if my house was destroyed completely? Could I instead use the cash value of my policy?
• My house is old. Would my insurance pay to rebuild my house to current building codes, or would I be responsible for that cost?
• I have a wine collection; how is that covered?
• I just constructed an outdoor kitchen, is this automatically covered? If not, what do I need to do?
• Can I receive any credits for combining my home and auto insurance together? 
• What is flood insurance exactly? Or an earthquake occurrence? Does my insurance cover these incidents? If not, should I add coverage?
• I employ a housekeeper.  What if they had a work-related injury?
• Am I potentially liable for their lost wages and rehabilitation? What if I'm sued by my employee?
• What if I misplace my jewelry? 
• I serve on boards for both for-profit and not-for-profit organizations. Will a claim made against me be covered by my own insurance?
• How much would my automobile be worth if it were a total loss? How, if at all, would the deductible apply?
• I recently started a home business. Does my homeowner's insurance provide any coverage?
• When should I include my kids in my auto insurance policy? When should they be removed?
• What happens if a sewer or drain inside my house backs up? I believe I am protected, but am I?

Give us a call today; we would be happy to help you better understand your insurance coverage. 
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Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.