BLOG

Myth #1: “My homeowners policy covers everything.”

While homeowners insurance offers important protection, it doesn’t cover every scenario. Standard policies typically exclude flooding, routine maintenance issues, and general wear‑and‑tear.

The truth: Coverage is designed for sudden, accidental losses — not preventable ones. Homeowners should review exclusions carefully and consider add‑on policies when needed.

Myth #2: “Red cars cost more to insure.”

Despite the persistent rumor, car color has zero impact on your insurance rate.

The truth: Insurers look at the vehicle’s make, model, age, safety features, repair costs, usage, and your driving history — not the paint color.

Myth #3: “Renters don’t need insurance.”

Many renters assume the landlord’s policy protects their belongings. It doesn’t. A landlord’s coverage applies to the building itself.

The truth: Renters insurance covers personal belongings, liability, and additional living expenses if you’re displaced — all for a surprisingly affordable monthly cost.

Myth #4: “Insurance follows the person, not the car.”

This misunderstanding can cause major confusion after an accident.

The truth: In most cases, auto insurance follows the vehicle. If someone borrows your car with permission and gets into an accident, your policy is typically primary — not theirs.

Myth #5: “Small claims won’t impact my rates.”

Some drivers assume small claims don’t affect premiums. But insurers look at claim frequency and severity when evaluating risk.

The truth: Even smaller claims can influence future rates depending on the circumstances.

Clear Information = Confident Decisions

By helping customers understand what their policies cover, you reduce confusion, prevent surprises, and strengthen trust. Transparency today leads to smoother claims — and less stress — tomorrow.