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Questions And Answers

Children are a must. Anyone with regular access to the vehicle, living in your home. The vehicle is insured, not the person.

You can only have one Homeowner (HO3) policy which is your primary residence. Any additional dwellings, rented, seasonal or secondary, must be written on a Dwelling Form (DP3)

If it has a business name printed on the vehicle, commercial auto policy. Strictly used for business, heavy duty vehicle, commercial. Occasional business use along with personal use, personal policy with business use rated.

Must have the endorsement on the auto policy.

You will not know it leaks until it leaks. Most carriers require roof to be 10 years old or newer to pay out a claim on Replacement Cost.

You don’t know that your dog bites, until it does.

Be safe, not sorry (Some breeds are excluded from coverage – be honest when asked about the breed.)

Builders risk – covers the structure and the renovations. Cannot be written as HO3 or DP3 if vacant.

If you are renovating to sell – after the renovations are complete and the property is vacant – Vacant for Sale policy.

Call Elite Insurance, Honest Accurate quoting with an explanation of coverage.