Your Insurance Questions Answered

Q - What kind of insurance should a tenant/renter have?

Q - What is Wind and Hail Insurance?

Q - Where exactly are the zones for wind-and-hail insurance?

Q - Why doesn’t homeowners insurance cover flood damage?

Q - For Flood Insurance, what is the critera for X and Preferred X?

Q - What exactly does my HO6 Insurance cover?
      Does the HOA cover the outside damage to the building and the owner cover the damage to their unit?
      What about negligence, like not changing out a hot water heater and it ruptures.
      Is that neglect? An accident?

Q - My vacant lot next door has a storage building on it. Does my Homeowners Insurance cover it?

Q - Can I get my home repaired completely without having it depreciated?

Q - Does my auto insurance cover rental trailers, such as UHAUL, if I have an accident while pulling it?

Q - Is it true that if a stone cracks my windshield, my insurance will pay to replace it without applying a deductible?

Q - How do I find the consumer rating on an insurance company? (before approaching an agent)

For the best in claims service for all your insurance needs, see or call Todd Insurance Agency today.