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Flood Insurance Q & A

Flood Insurance Q & A

Are You Protected?

From Nor’easters to hurricanes in the Atlantic, snow melt to spring downpours, New England has its fair share of rain events. This increases the risk potential for flooding. Do you understand what flood insurance covers and what it doesn’t? And do you know the risks of leaving your home unprotected? Being in the know is the key to keeping yourself protected in the event of a flood.

How is a flood defined?

According to the National Flood Insurance Program (NFIP), a flood is defined as water that covers at least two acres or impacts at least two properties. Floods can either be the result of an act of nature—storm surge, snow melt, heavy rains—or they can be caused by a burst dam or some other event that causes the water level to rise beyond a reasonable level.

Why do I need flood insurance?

If you live in a low-lying area near a lake or marsh—places that are prone to flooding—you may be legally required to carry flood insurance. If not, you have to decide if it’s worth the risk not to have flood insurance after heavy rains and storms could possibly damage your property. Flood insurance may be purchased for properties both inside and outside of high-risk flood zones.

Even if you don’t live in a flood-prone area, according to the Federal Emergency Management Agency (FEMA), flash floods from major weather events, even in inland locations, occur in every region of the United States. So if you’re thinking that maybe you don’t need to worry about flood insurance, remember, FEMA reports that 90 percent of natural disasters in the United States involve some kind of flooding.

If that statistic doesn’t make you think, did you know that out of all the National Flood Insurance Program (NFIP) claims, 25 percent come from homes outside of flood zones?

Isn’t my standard homeowners policy enough?

No. Your standard homeowners insurance may cover some excess rain, but rising water levels from nearby lakes and oceans won’t be covered. And to protect your property, you really need to get additional flood insurance. Consider this: the average flood claim comes to more than $20,000. When you purchase flood insurance, you’ll actually be saving more money than if you wait for disaster assistance. Disaster assistance will only be available to you once a disaster is federally declared, and it comes in the form of a loan that needs to be paid back with interest.

If you aren’t covered and decide to get flood insurance, you should act as quickly as possible, because most policies take 30 days to go into effect. Don’t wait until the forecast shows the potential for flooding. It may be too late.

For all your home, auto and other insurance needs, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Business Owners Insurance

If you’re a small business owner, you may be concerned about the cost of getting Business Owners Insurance. A Massachusetts Business Owner’s Policy (BOP) will give you the coverage that’s required for a business owner, all in one package. If you’re a small business owner, we recommend you get a BOP to have the necessary coverage for much less cost.

What Does a Business Owner’s Policy Cover?

No matter what your business, there are things you’ll want to be covered for, maybe even things you never thought about. For example, if there’s a crime committed on your property, could you be held liable? What if you own a restaurant and someone chokes on the food or slips on your floor? What if a customer claims that the product you advertised wasn’t what was delivered? Lawsuit and medical costs can get pretty high. That’s why it’s nice to have a BOP that covers:

  • Crime
  • Personal Injury
  • Medical Payments
  • General & Product Liability
  • Professional Liability
  • Employment Practices Liability Insurance (EPLI)
  • and more

Also included are coverages such as Property Insurance and Cyber Liability. In future blogs, we’ll break these down some more.

What Types of Businesses Should Carry Business Owners Insurance?

Anyone who owns a business should be insured. Period. Some businesses may require more coverage in an area than another type of business. For example, if your business is more Internet-based, you’ll want to have Cyber Liability coverage. This coverage protects your business in the event there is a data breach that compromises your customers’ personal information. If you experience a cyber attack, this coverage can pay for any legal fees you might incur from customers, as well as the basic cost of notifying all of your customers that the breach occurred in the first place. In this age of cyber criminals, any business that has an online customer database can’t be too careful.

On the other side of the spectrum, professional contractors need to make sure they’re covered for Bodily Injury, as the physical risks associated with electrical and construction work tend to be greater than other types of businesses. Stepping on a live wire, accidents associated with falling scaffolding—all of these are more prevalent in contractor businesses.

Getting the Right Insurance Coverage for Your Business

So as a business owner, you want to make sure that you have the most appropriate, and necessary, coverage for your type of business. That way, if there is an unforeseen event, you can rest assured you’re covered.

At Zawada Insurance Agency, we’ll work with you to help you find the right type of Business Owners Insurance with the coverages most important to you and your business.

Zawada Insurance Agency is a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price. For more information about auto, life, homeowner, business and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

 

 

 

 

The Top 7 Myths about Life Insurance

Do You Know the Facts?

Life insurance is necessary to protect your loved ones in the event that something unexpected should happen. But many consumers don’t understand the details about life insurance that could save them money. Here are the top 7 myths about life insurance:

  1. Your family will only receive life insurance payments when you die.

Whole Life and Universal Life Insurance allow you to access benefits even while you’re still living. This can help with retirement income or costs associated with a serious illness. Both types of coverage include a savings component that can be really helpful—and you don’t have to wait until someone dies.

  1. Term Life Insurance is the cheapest option.

Not necessarily. While it is the least expensive of the three basic options—Term Life, Whole Life, and Universal Life—the premiums will increase each year. So in the long run, this could be an expensive type of coverage. That’s why it’s good to research and understand all of your options.

  1. If you’re young and healthy, you don’t need life insurance.

Actually, the opposite is true. When you’re young and healthy is the BEST time to get it! That’s because you can get coverage for a much better rate than when you’re over age 50, when health issues are more likely to develop. If you purchased it when you were young, by the time you’re older and in need of more medical care, you will have it at a rate that you wouldn’t have been able to get later on.

  1. Getting life insurance from your employer is all you need.

In order to have enough income for your dependents, it’s recommended that you have at least five to eight times your annual salary. As the cost of living increases, some even say you should have 10 to 12 times as much! And the coverage you receive from an employer typically only gives you one to two times your salary. Not only is this not enough, but you could lose it if you switch jobs. Often you can find more affordable coverage that won’t be affected should you change jobs.

  1. Life insurance is too expensive.

This is one of the biggest misconceptions about life insurance. According to a study done by Life Happens, about 80 percent of people overestimated the true annual cost of life insurance. For example, a 20-year, $250,000 Term Life Insurance policy for a healthy 30-year-old actually costs $160 a year.

  1. Since life insurance is all about providing for beneficiaries, a single person doesn’t need it.

For a single person, life insurance is still an important part of a smart financial plan. That person may want to leave something to help take care of aging parents or close friends. That person may also decide to have kids someday, and want to leave something for them.

  1. If my health isn’t good, I’m automatically disqualified from getting life insurance.

This isn’t true. Your policy may be a bit more expensive, but there is still a variety of options available to you. In fact, some companies specialize in cases that may be considered “high risk.” So it’s important to do your homework and find out what’s out there.

Remember to talk with professionals who can advise you on the best policies to suit your life and your financial situation.

At Zawada Insurance Agency, we’ll work with you to find the best, most affordable insurance coverage to fit you and your family’s needs.

Please contact Zawada Insurance Agency today. We’re a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Roof Repair and Homeowners Insurance

Roof Repair and Homeowners Insurance:

7 Questions to Ask Yourself Before Making a Claim

For some, spring is the season of blooming flowers and milder temperatures. For your house, it’s the season for snow melt, heavy rains and mold. These can cause many headaches for homeowners.

According to the Insurance Institute for Business and Home Safety, the roof is considered the most important part of your house by insurance companies. This is because any damage to the roof can lead to secondary issues—and more claims—involving other parts of your house.

After homeowners become aware of roof damage, they may wonder if they need to do roof repairs or replace their roof entirely. If there is damage to your roof, don’t expect to be covered by your Homeowners Insurance until you’ve asked yourself a few important questions.

  1. Whose fault is it? When it comes to insurance, it’s always a question of whose fault it is. If you have done your job as a responsible homeowner, regularly maintaining your roof, and an unforeseen incident happens, resulting in damage, you’ll likely be covered by your Homeowners Insurance policy. However, if you’re found to have been neglectful, the cost of repairs or replacement could be yours alone.
  2. Was the roof damaged by fire? A fire is considered one of those events that is usually accidental, and you would most likely be covered for fire damage.
  3. Is my roof older than 10 years? Typically, if something happens to your roof when it is under ten years old, it falls in the category of something beyond your control. But since regular maintenance is expected of the homeowner, if there is damage resulting from age (more than ten years old) and wear and tear, you may be held responsible for those costs.
  4. What if a storm damaged my roof, and now it leaks? Rain, strong winds and hail can be a recipe for disaster for your roof. A hole could let water in, which could result in mold. Again, if the initial cause of the damage was beyond your control, such as a natural weather event, you’ll most likely be covered. Typically, to fix a leaky roof involves sealing the leak, replacing the shingles and sealing them. This can range between $150 (if there aren’t many shingles damaged) to $1,100 for a single repair. Also, mold remediation costs can be very expensive, so it’s wise to make your claim as soon as possible, to alert your insurance company that the roof damage and the mold resulted from the weather event. Provide plenty of documents and take pictures!
  5. Do I need to replace my roof? First, you’ll want to consult with professionals to assess the level of damage to your roof. If there has been no damage, but you’re concerned about ordinary wear and tear, here are a few guidelines about the expected lifespan of your roof: You can expect a roof made of fiber cement shingles to last about 25 years. If you have wood shake roofs, they typically last around 30 years. And slate, tile and copper roofs may last more than 50 years. If all you need is a repair, that may be the better way to go, especially if you’re on a tight budget. Replacing the entire roof can be very costly. For example, if you have a 2,500 square-foot home with cement shingle roofing, the average cost to install a brand new roof of the same material is approximately $9,000.
  6. Have I performed regular maintenance on my roof? Regular maintenance includes checking for water damage in the eaves just under the roof—a prime spot for decay after a season of storms. Check the structural integrity of your fascia and soffits, the horizontal bands at the end of your roof rafters. Remove any debris from this area. Also regularly check for and wipe away moss and mold to prevent further growth. Check that vents and chimneys aren’t blocked by leaves or other debris. Last but not least, schedule regular inspections with a professional. Because your roof is such an important part of maintaining the overall health of your home, it’s worth the cost to keep it regularly inspected.

If you follow these guidelines, and then find yourself dealing with unexpected roof damage, you’ll most likely be covered by your Homeowners policy.

Keep checking our blog for more insurance coverage information and tips!

And consult the professionals at Zawada Insurance Agency to go over your insurance needs. We’ll help you get the right insurance coverage for your home, car, boat—and offer you bundling options that may save you money.

Talk with us today!

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Is Mold Removal Covered by Homeowners Insurance?

Mold is a dangerous substance that, at the very least, can cause sinus problems, and at the worst, even more serious health problems. If you have a mold allergy or asthma, it can be a real struggle. Mold is an insidious problem that you may not even notice in your home until it’s visible. Read on to find out what you can do about it.

Signs of Mold in Your Home

Does your house smell earthy, like dirt? Or is there a persistent musty smell? These could be indicators that there is mold growing inside your home, even if you can’t see it. If you do see   dark patches on your ceiling, especially collecting in a corner, that is likely mold.

The Cost of Removing Mold

If you have a mold problem, you will likely face high costs to have it removed. A mold remediation company will come and assess the degree of the damage, checking ceilings, attics, walls, ductwork and more. These costs can range from $500 to $6,000.  Because of the high costs, you may hope your homeowners insurance will cover it. But odds are, it won’t.

What Homeowners Insurance Will Cover

You’ll find that homeowners insurance is more likely to cover an immediate problem, such as damage caused by a burst pipe. If mold starts to grow after a specific incident—a burst pipe, leaking dryer hose, air-conditioning water overflow—it will typically grow within 24 to 48 hours. If you make a claim right then and there, you will likely be covered. But if the mold is weather-related or something that has been growing for a period of time, you most likely won’t be covered. Here’s why: Usually, the cause of the problem is more important to insurance companies than the result. For example, if you’re found to be negligent in some way, resulting in a mold issue, your insurance company will likely not cover it. From the insurance company’s perspective, they expect you to maintain your home and prevent issues like mold. So if you haven’t visited your basement in months, and you suddenly find that mold has taken over the carpets and walls down there, you’ll be considered negligent and out of luck when you make a claim.

How to Prevent Mold in Your Home

The key to saving money from mold problems is prevention. Mold thrives in humid, dark areas where the temperature doesn’t fluctuate too much. That’s why it’s important to have proper ventilation in your bathroom. Remove any leaking water immediately, whether it’s from a leaky roof or in your laundry area. The water that forms from these places may result in mold that will be evident over time, and it will be too late to be covered by insurance.

Once you’ve found mold in the house, you can try to remove it with a water and bleach solution. But if it’s already spread, it may be best to consult a remediation company to safely remove it, so you don’t develop a health problem.

When Homeowners Insurance DOES Cover Mold

If you live in an older home and aren’t sure if there could be a growing mold problem, you can have extra mold coverage added to your insurance policy. However, keep in mind that this will cost extra, especially if your house is considered a higher risk.  High-risk homes are usually older, because the condition of the pipes and other areas inside aren’t certain. Also, if there were previous mold claims at your existing home, you can expect to pay even more for additional mold coverage. For many homeowners in the Northeast, the age of the house and volatile weather conditions—producing snow melt and water runoff—can make tackling mold an unpredictable, frustrating task. And for that reason alone, you might want to opt for some additional coverage just in case.

Keep checking our blog for more helpful insurance tips!

Zawada Insurance Agency is a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

How to Prevent Pothole Damage to Your Car

Winter presents a host of not only treacherous, but potentially expensive, conditions. In colder climates, one of the most aggravating road conditions is the pothole. If you’re not careful, it can shake your car alignment off-balance and ruin your tires.

Car insurance claims and potholes 

If you hit a pothole and it damages your tires, this should be covered under the collision coverage of your policy. Collision coverage also covers other obstructions that you might hit while traveling. When you make a claim, be sure to take photos and notes. Unfortunately, the damage usually costs less than your deductible, so it doesn’t necessarily save money to file a claim at all. For this reason, prevention is the key to saving money. But you can’t always prevent driving over potholes. So what can you do? Read on. . .

How to prevent pothole damage

If you come upon a pothole, don’t slam on the brakes or swerve the car. Of course it’s nice to be able to avoid them, but on busy roads, sometimes this is impossible. The best thing to do is to reduce your speed so you can glide over it squarely. Remember to stay alert, looking down the road at potential hazards. That seemingly harmless puddle could be covering up a deep pothole!

Get regular car inspections. Especially during the colder months, if you notice a constant decrease in tire pressure, it may be time to rotate your tires. Underinflated tires that hit a pothole can cause a flat or a blowout. Overinflated tires can damage the structure of the tire itself. If you suspect you may have a flat, drive slowly and try to pull over to a place away from traffic. To prevent under- or overinflated tires, keep your tire air pressure at the manufacturer’s recommended levels. In many vehicles, you can see the recommended air pressure numbers on the inside floor of the driver’s side when you open the driver’s side door.

Hitting a pothole can easily mess up your alignment. Is your alignment out of whack? If it is, you may feel a vibration in the tires or the seats in your car. If your car pulls to the left or right, this is also a sign of poor alignment.

When you inspect your car, always check the tread of your tires. The general rule is to take a quarter and insert the edge into your tire tread. George Washington’s head should be partially covered. If not, it’s time to look for some new tires.

Also have your shock absorbers checked. A vibration could indicate a problem with your shocks or suspension.

Remember that winter and spring are the seasons when road damage is worse than ever, as the concrete expands and cracks. Regular maintenance and inspections can help prevent any damage to your car should you encounter potholes or other road hazards caused by rough weather.

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Is Snow-Related Damage Covered by Homeowners Insurance?

For homeowners, it can be confusing as to what conditions are covered by which insurance policies. After all, winter poses a host of different problems, from ice dams to downed trees caused by high winds, to water damage from melting snow. Read on to find out if you’re adequately covered for these events.

With Snowstorm-Related Insurance Coverage, Timing is Everything

You’ll find that it’s easier to be covered right after a storm has hit. If your home suffers immediate damage following a big storm, and the damage is caused by snow, ice and wind, these issues are nearly always covered. It’s a little trickier, however, to make a claim when damage is caused by melting snow over time.

Do You Need Homeowner’s Insurance or Flood Insurance?

Unfortunately, after a severe snow storm, the effects can last far longer than the storm itself. Snow melt on gutters, roof leaks, even a basement flooded by water from melting snow—all are considered outside issues, even if they affect the inside of your home. For these, you would need to be covered by flood insurance. However, if items such as appliances or furniture inside your basement are destroyed, you’ll need to rely on Homeowner’s Insurance, because flood insurance won’t typically cover those items.

Is it Flood Damage or Water Damage?

The main difference between a claim for flood insurance versus water damage is how many people are affected. If a naturally occurring water source—rising rivers, coastal flooding and torrential rains—are flooding all the homes in your neighborhood, it’s a good bet that you’ll be covered if you have flood insurance.

Water damage, on the other hand, occurs when water destroys something in your home, but doesn’t necessarily affect the neighbors. For example, if a pipe bursts or a toilet overflows, this would be considered water damage, and you’d need to make a claim with your Homeowner’s Insurance.

How to Prevent Costly Homeowner’s Insurance Claims

It’s better to prevent problems than to have to make expensive insurance claims. In the winter, there are several things you can do to cover yourself before you have to contact your insurance company. Among the most common snow- and winter-related claims are frozen pipes and roof damage. To protect your pipes, insulate the pipes in colder parts of your home, like in the basement. Keep your house at a warm temperature. And when you go to bed at night, let the faucet drip slowly to keep pipes from freezing.

Roof damage can be tough to prevent. In winter, you can get ice dams, fallen trees from wind, or damage caused by hail. The best thing you can do is to regularly inspect your roof, and make sure you have adequate insulation in your attic. If you see questionable, potentially loose, tiles, have them replaced before turbulent weather strikes.

Remember, it’s a good idea to have flood insurance, not only Homeowner’s Insurance. If you don’t live by a lake or ocean, or in a low-lying area, flood insurance can still protect you from conditions caused by snow melt. When you live in areas like the Northeast, where snow is a regular way of life, it’s better to be covered and have greater peace of mind.

Keep checking our blog for more helpful insurance tips!

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

A Winter Nuisance That Can Become a Real Danger

Windshield Safety

It’s something you never think about until you need it or it fails to work. You’re driving down the road, drizzling rain or sleet rushing toward your windshield, and you pass a truck that sprays a mix of moisture and mud all over your field of vision. You push the lever for your windshield wiper fluid to come out and it doesn’t. This poses a real safety hazard, and you must pull over immediately, if possible, to clean it manually. What can cause your fluid to fail? And what can you do about it?

First things first. You should check under the hood to the container where the wiper fluid is stored. Check first to make sure you haven’t run out of it. If you have, it’s an easy fix. Most all gas stations carry wiper fluid, and you can refill it yourself without having to go to a mechanic. If the fluid container is full, or there’s an adequate amount, check for other causes.

When Windshield Wiper Fluid Freezes

In the winter, the cause of the fluid not coming out is usually because it’s frozen. Many washer fluids will freeze at any temperature below freezing, which is 32 degrees. If you are in a steady period of snow storms and below freezing temperatures, you may find this problem particularly troublesome. If you live in an area like New England, where these weather conditions can last for months, it’s in your best interest to get a washer fluid antifreeze. These are available in a variety of formulas with varying freezing points. The reason the washer fluid antifreeze works is because it contains ethanol, methanol or other alcohol mixed with water.

A Word about Washer Fluid

Note: If you’ve had washer fluid with methanol sitting in your garage or under a hot car hood, there may be a chance that some of the alcohol will evaporate, possibly making the freezing temperature higher than advertised on the bottle. You’d need to empty out what’s left of the old fluid and put some fresh fluid in there to be sure you’re ready for winter.

How to Unblock the Washer Jets

If it doesn’t appear that the fluid is frozen, check the nozzles where the fluid comes out. Sometimes something as simple as a safety pin can work to dislodge any ice or debris that may be preventing the fluid from squirting out.  If the ice is wedged deeply in there, try a hair dryer if you can get close enough to an outlet. Sometimes the jet nozzles just need a little thawing out!

If you know that your washer fluid has frozen, you could be at risk for the container or the pump that pushes the fluid out to be cracked. In the event that this happens, you’ll need to see a mechanic to replace your washer fluid system or whatever the damaged part is.

When the Washer Fluid System Doesn’t Work

You may need a mechanic if you’re not comfortable fixing this yourself. But if it isn’t the washer fluid, there could be a blockage in the line underneath the hood. Or there could be some kind of damage to the pump.

Whatever the case may be, make sure you have a fully working windshield washer system. It’s an important safety feature all year long, but especially during a season when there can so easily be precipitation and other obstructions to your vision.

Good luck and safe travels!

For information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Insurance Questions for Winter Weather

Winter Insurance Q & A’s

Depending on how you look at it, January through March can be a winter wonderland or the most dangerous time of year. Cars skidding on icy highways, snowy roofs caving in. . . If you want to enjoy the winter, just make sure you have the right insurance coverage. Below we’ve compiled some of the most common winter insurance Q & A’s to help you navigate this slippery season!

What winter damages am I covered for? Usually, standard Homeowner policies cover things like flooding from melting snow, roof damage from the weight of snow, frozen pipes, falling trees, high winds and temporary relocation due to a power outage. You should call your insurance company to find out exactly what coverages you have.

What happens if someone falls on my icy driveway?  After a storm, you haven’t had time to get outside and salt your driveway. Then a delivery person slips and falls on your property and threatens to sue you. What are your options? First, make sure you have Liability coverage in your Homeowners Insurance policy. This will help cover medical and/or legal costs in the event someone has an accident on your property.  Remember, Liability coverage differs from Personal Property coverage. Liability protects you in case of lawsuits, while Personal Property covers you for stolen or damaged belongings, including jewelry or furniture.

Winter is causing serious damage to my house, from ice dams to burst pipes. How do I know if I’m able to make a claim? Odds are, your Homeowners policy will cover things like this. However, if your insurance company believes you’ve neglected to properly maintain your home, they may not cover some things. For example, to keep pipes from bursting, you should keep the heat on, or let your faucets drip slowly at night so the water won’t freeze. Taking good care of your roof and applying effective insulation will help prevent ice dams from forming. If you haven’t done some of these things, you could be considered negligent, and your claim denied.

How soon do I need to contact my insurance company? As soon as you realize you have damage to your house caused by winter weather. Call immediately, so too much time won’t pass after the storm.

What if someone steals my car while it’s warming up? We all do it. It’s freezing outside, and we’d like to get the engine, and mostly the heat, revved up before we have to go. Yet during the winter, car thieves are trolling driveways to see if a car is unattended. If your vehicle should get stolen, you can replace the cost of it with Comprehensive Auto Insurance coverage. Comprehensive is the way to go, especially for accidents caused by natural events, too, like a tree branch cracking your windshield in a storm.

What if I skid off the road and land in a ditch? Before winter comes, check that you have Roadside Assistance included in your coverage. This will enable you to call for a tow truck, instead of having to be stranded in a major snow storm. It will also be helpful in case your car battery dies.

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

The 12 Most Popular Auto Insurance Questions Answered

Get the Facts about Auto Insurance

Auto insurance is necessary, no matter what state you live in. To find out what is required in your particular state, you need to visit their transportation website to learn exact coverages. In Massachusetts, you can find out what is required here.

Below we’ve compiled the top 12 most popular questions people have about auto insurance, so you can make informed choices about your coverage and more.

  1. What types of coverages should I have?

Most auto insurance policies offer coverages such as Comprehensive, Liability, Property Damage, and Collision Coverage.

  1. What is a deductible?

The deductible is the amount of money you pay after you have an accident before your insurance company pays the remaining charges.

  1. How can I keep my car insurance costs low?

You can’t always control everything, but there are certain things you can check for that may help to lower your costs. First of all, make sure you have a car with updated safety features. Also, make sure your insurance company knows if you work from home or have a short commute to work. The less time you spend in the car, the lower your risks.

  1. How many people can I put on my car insurance policy?

You can put as many as you’d like, but they must be members of your household, all living at the same address.

  1. What if I want to change my coverage? How can I do that?

You can always change your coverage or insurance carrier at any time. However, it’s best to wait until the end of your policy to avoid a cancellation fee.

  1. Are there any situations in which I could be denied coverage?

Yes. If your driving history includes a major accident, a DUI, or if you have bad credit—all of these factors could cause an insurance company to deny you coverage.

  1. Does my gender affect my insurance premium rates?

Yes it does. Sorry, guys, but studies have shown that males generally get into more accidents. So males pay bigger premiums.

  1. If I’m driving someone else’s car and have an accident, who pays?

The insurance of the person who owns the car would pay. Then you would have to pay any remaining costs.

  1. Will auto insurance replace my car if it gets stolen?

A stolen car can be replaced only if you have comprehensive coverage.

  1. If I forget to pay my premium, will I lose my coverage?

Not necessarily. If you forget once, they’ll probably send you a warning. If you frequently don’t pay, your coverage will likely be canceled.

  1. If my garage burns down with my car in it, will my car insurance pay for it?

No. Your Homeowners Policy would cover that type of event.

  1. If I don’t have auto insurance, and I’m in an accident, what will happen?

If you don’t have insurance, you could be sued, which could result in the loss of your entire life savings. You could also serve jail time. So it’s better to be insured than not!

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.