Yes means No? Let us explain, If you answer yes to any of the following questions that could mean no coverage. Please take a few minutes to read the following. Call you agent if you answer yes to any of the following.
- The named insured on the policy is not occupying the home
- The amount of insurance coverage on our home is less than 100% of what it would cost to rebuild it.
- The amount of insurance on our contents is less than its replacement value.
- Property used in business (tools, equipment, samples, stocks, etc.) is kept in our car or at our home.
- I own a trailer, camper, snowmobile, or recreational vehicle. Call us to confirm coverage.
- I own a boat, outboard motor or boat trailer.
- We have a total of more than $1000 in jewelry, watches and furs, $2000 in firearms, $2500 in silverware & pewter ware or $200 in gold, money or silver.
- I own a second home and or we rent our second home during the year.
- I have cameras or hobby equipment which we consider valuables.
- I own antiques, fine arts, stamps, coins etc.
- I have an office or conduct business out of our home or garage.
- I have a detached garage or other building on our property that is worth more than 10% of our house dwelling coverage.
- I have a sump pump.
- I have persons other than blood relatives living in my home.
- My home is vacant or unoccupied.
- I have updated my kitchen, bathroom, or basement or added a dormer, addition, or deck to my home.
- I allow friends, or family members to operate my vehicle even though they are not listed on my policy.
- I borrow a household member or friends car regularly and I’m not a listed driver.
- I have multiple vehicles with different limits.
- I have an underground oil tank.
- I have custom equipment or furnishings in our vehicle
- I have a snow plow, bed liner, roof rack system or other item attached to our vehicle
- I own a condominium as a second home and may rent it out.
- I own vacant land.
- I own a condominium and don’t have loss assessment coverage.
Contact your local agent with further questions.