Your insurance questions are answered for free

From homeowners, cars, floods, earthquakes, and more, what you don’t know may cost you more than the money you pay each month.

Greensboro, North Carolina – Christopher Cook of Alliance Insurance Services joined 2WTK to answer your questions.

Most of the time the answer is …. you. If your tree falls on your house or your neighbor’s tree falls on your house, this is your insurance. The only time this is not true is if the tree is documented as a problem.

Find out, homeowner’s policies cover home damage due to a fallen tree. If the tree has just fallen into the yard, then this is your responsibility. Homeowners’ policies do not cover tree removal cleanup.

Homeowner policies do not cover anything related to flooding. Flood policies and additional content. For example: Covering a $ 150,000 home in a low-risk area will cost you about $ 400 a year.

Can you remember everything in your house?

No. This is why it is smart to take a home inventory. It’s basically a list of the contents of your home.

You can do this with your phone. Video of electronics, art, furniture and appliances. Open cabinets, garage, wardrobes. Scan model numbers.

Then send this video to your insurance agent, and copy it to your home and work email so you always have a copy.

Related: Do you need earthquake insurance?

Car insurance. Do you have what you need?

NC law requires that you have liability insurance. This pays damages and injuries to other drivers. Collision coverage is optional. It pays for the damage to your car. Without it, all of your accident expenses are out of your pocket.

Comprehensive coverage for non-accident related matters, such as a tree falling on your car. If you don’t have a comprehensive, you also pay for the repairs out of pocket.

Gaps insurance. This type of insurance works well when you have a car that you are still paying for. For example:

Your car is worth only $ 25,000

If you get into an accident, and the total value of your car, your insurance will only pay you $ 25,000. If you owe $ 30,000 on the loan, you still have to pay $ 5,000 even if you don’t have a car! Gap insurance covers the difference in cost and value.

Are you married or engaged?

You need to have a lock on the ring. Most standard policies only cover about $ 1,500 in jewelry. Chances are, you will need more than that to replace the ring if something happens to it. For around $ 5 to $ 10 a month, you can be sure that a ring can be replaced in case it is lost or stolen etc.

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