Home and Auto Insurance Surprises

When shopping for insurance, it can get pretty confusing. Some policies have so much fine print you may not be sure what you’re getting. Here are some of the most common truths that surprise people when they get insurance. Make sure you have all of the facts, so you won’t be surprised!
You’re not automatically protected from Mother Nature.
Many Homeowner’s Insurance policies don’t automatically cover things like flood, earthquake and other natural disasters. So make sure you’re covered for these things.
You may not get top dollar for your home in the event of a disaster.
Your Homeowner’s Insurance will be based on what it would cost to rebuild your home, NOT on the real estate market value of your house. These costs vary, so check with your insurance agent.
Auto Insurance doesn’t cover tractors.
Homeowner’s Insurance covers things like tractors, garden equipment and storage sheds. In fact, it covers things that aren’t necessarily attached to your home—a detached garage, patio, fence, etc.
Cars with automatic transmission are more likely to be stolen.
More Americans don’t know how to drive a manual, or stick, shift. That’s why automatic cars are more appealing to would-be thieves.
If you buy a home out in the country, you could be paying more for insurance.
Insurance companies like to know that your house is in a safe location, not far from a fire department or neighbors who can lend a hand if something goes wrong. That’s why, if you live in a remote area, your costs tend to go up.
Older homes equal higher insurance rates.
Insurance is all about risks—assessing whether your risks are high or low. If you choose to buy an older home, it’s assumed the plumbing may be old, the roof may be about to give out. But if you want to buy an older home, there are things you can do to lower your costs. Make sure the electrical is updated, as well as the pipes, to reduce the chances of accidents. And if necessary, install a new roof.
Comprehensive Auto Insurance doesn’t cover everything.
Comprehensive Auto Insurance pays for events besides collisions. These include fire, theft, vandalism, weather and accidents involving animals. It does NOT cover personal property. For instance, if your laptop is crushed in an accident, you’ll need Homeowner’s Insurance to cover it.
Auto Insurance carriers factor in many things when determining rates.
It isn’t just about the age of the driver and driving history. When you purchase a new car, insurance  companies look at the age of the car, make, model, engine size and whether or not there are any special safety features in the car. They also factor in the amount you drive per day.
At Zawada Insurance Agency, we’ll help you shop around to find the best deals on every kind of insurance—including bundling, if it helps you to save more.
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.

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