Does my homeowners policy cover flood?

Most homeowners and renters policies do not cover flood or surface water damage.  However, flood coverage can be purchased through private insurers or through the National Flood Insurance program.


My dog bit my neighbor requiring my neighbor to get stitches.  Does my homeowners insurance cover this?

Yes, a standard homeowner’s policy will provide coverage up to your medical payments policy limit for the stitches and medical expenses.  Your bodily injury coverage would also apply due to strict liability.


I do not own my home, why would I need coverage?

Your landlords policy most likely does not include liability for something that happens in your rented home or that you may be held liable for.  Nor will there be coverage for your personal contents.  Renters insurance coverage is much more affordable than you may think!


What if everything in my home is gone?  What will I do for food and clothing?

Your adjuster will usually advance a certain amount of money to help you get back on your feet and purchase things like clothing and toiletries.  This amount will count as part of your total personal property settlement and is not part of additional living expense coverage, which pays for temporary housing, food and additional travel you incur as a result of not living in your home.


What is the difference between comprehensive and collision coverage?

Comprehensive, also called Other Than Collision, coverage provides coverage for direct auto physical damage to a covered auto resulting from any cause of loss except collision or a cause of loss specifically excluded.  Comprehensive coverage includes damage caused by fire, theft, explosion, windstorm, hail, water or contact with an animal.

Collision coverage provides coverage for direct and accidental loss or damage to a covered auto caused by collision with another object or overturn.


Are my friends and family covered if they drive my vehicle?

Other people are covered when they drive your vehicle if they have permission to do so.  Depending on the company you are written with, first coverage may come from the person driving the vehicle.  If they do not have insurance, or enough insurance to pay for damages, your auto insurance will then puck of the difference.  However, some companies still adopt the rule that all insurance will follow the vehicle first, so damages would be paid by your company, up to the policy limit.


Why do I need an umbrella policy?

With the increase in litigation in the U.S. in the past few years, everyone should evaluate how much they have to lose in assets should they be found liable for damages in court.  To offset this risk, an umbrella policy that offers millions of dollars in coverage can be purchased for a few hundred dollars a year.


What is the difference between Whole Life and Term Life insurance?

Whole Life provides level death benefit protection with level premiums and guaranteed cash values.  Whole Life insurance can provide needed cash value for emergency family needs and can help supplement future retirement income.

Term Life insurance provides coverage for a specified period of time such as 10, 20 or 30 years.  It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young.  Typically, term insurance does not provide cash value, meaning that you cannot borrow from the policy.




Sigourney Office

815 E Jackson
Sigourney, IA 52591
PH: 641-622-3894
Fax: 641-622-2002

Kalona Office

211 1st St
Kalona, IA 52247
PH: 319-656-4405
Fax: 319-656-4401

Fairfield Office

Century Insurance
306 W Burlington Ave
Fairfield, IA 52556
PH: 641-472-2258

Dayton Office

South Main Street
Dayton, IA 50530
PH: 515-547-3280

Serving Pertzborn Customers

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