Question 1

Do I need earthquake insurance?

Accepted Answer

Earthquake insurance is not required in most areas, but it can provide valuable coverage if your home is damaged by an earthquake. It's important to review your policy and consider the risk of earthquakes in your area to determine if earthquake insurance is a worthwhile investment.

Question 2

Do I need gap insurance for my new car?

Accepted Answer

Gap insurance can be a good idea if you're financing or leasing a new vehicle. It covers the difference between the amount you owe on your car and its actual cash value if it's totaled or stolen. This can help protect you from being upside-down on your loan.

Question 3

Do seasonal toys need year-round coverage?

Accepted Answer

If you have recreational vehicles like ATVs, boats, or RVs that you only use during certain seasons, you may be able to adjust your insurance coverage to save money when they're not in use. Be sure to review your policy and discuss seasonal coverage options with your insurance provider.

Question 4

Does a life insurance policy require a medical exam?

Accepted Answer

In many cases, a medical exam is required to obtain a life insurance policy. However, some policies may be available without a medical exam, particularly for younger, healthier individuals. It's important to discuss your options with an insurance agent to determine if a medical exam is necessary.

Question 5

Are electric scooters covered by my insurance?

Accepted Answer

The insurance coverage for electric scooters can vary depending on your policy and the specific laws in your area. In some cases, your existing auto or homeowner's insurance may provide some coverage, but it's a good idea to check with your insurance provider to understand the extent of your protection.

Hill Insurance & Investments LLC

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About Hill Insurance & Investments LLC

Frequently Asked Questions about Hill Insurance & Investments LLC

Do I need earthquake insurance?

Do I need gap insurance for my new car?

Do seasonal toys need year-round coverage?

Does a life insurance policy require a medical exam?

Are electric scooters covered by my insurance?

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