203-527-6002Frequently Asked Questions
How do I know I have a good insurance rate for my car insurance?
We recommend that every 3-4 years you request alternative carrier quotes from your agent because insurance companies change their rates annually, along with adding new programs and new discounts.
What pricing discounts should I ask about?
Your insurance score (think of credit score) determines the pricing tier of your policy in addition to any accidents and violations – new to the auto insurance market is the use of an installed app in your car to determine your actual driving habits. The installation of this app on your phone is strictly voluntary and is only used for 60 — 90 days. A reduced rate motivates drivers to allow this device.
I hear people say they have full coverage (auto), what does this mean?
Full coverage to most people mean they carry collision and comprehensive coverage. This coverage protects the value of your car if there is a covered loss. As important are the limits of your liability and property coverage. This coverage protects you if you are sued from an at fault accident.
What is umbrella coverage?
Umbrella coverage is excess liability coverage. The word umbrella is used because the policy is meant to supplement your auto, home and personal liability. The limit of coverage starts at $1 million.
How do I know that I have enough dwelling coverage on my home?
Your insurance agent has multiple automated programs to determine the actual replacement value of your home. The square footage of your home and the quality of construction relates directly to the home’s rebuilding costs. Inflation has dramatically increased building costs, so we suggest you request a replacement value from your agent.
What is the difference between an independent agent and a carrier like GEICO?
Independent agents have contracts with multiple insurance carriers. They shop the best rate and coverage among these carriers for their customers. GEICO offers coverage and pricing for their company solely. They write business across a large spectrum of states.
How can I reduce or mitigate a loss from bust water pipes in my home?
Companies like ServPro will be dispatched to your home by the insurance company to mitigate damage. Typically, they will respond the same day because speed is essential to reduce damage. If you cannot live in the home, the insurance company will issue you a check for additional living expenses which is a separate coverage under a homeowner policy. You can install a water shutoff system to prevent or reduce water damage. One company that provides an automated whole house water monitoring and shutoff system is FloLogic.
What do I do if a water pipe bursts in my home?
First, locate and turn off the main water valve to your home. Next, call your Blasius Personal Insurance representative. They can advise you on how to file a claim and locate a plumber to inspect and repair the pipe. You may also need a service that specializes in this type of cleanup and a licensed home repair person for wall and ceiling repair and painting.
Is damage caused by old, leaky pipes covered under my homeowner’s insurance policy?
Leaking pipes are not covered, nor is mold caused by this type of leak. Only pipes that burst suddenly or from freezing are covered.