You can request a copy of your declarations page by contacting your insurance carrier directly. Most insurers allow you to access and download it through their online portal or mobile app in a documents section. If you're unable to find it online, call your insurer’s customer service, and they can send you a copy via email or mail.

To make sure you’re properly covered, review your insurance policies regularly and consider adding extra coverage if necessary. If you’ve purchased new belongings or your home’s value has changed, you may need to adjust your home or renters insurance. Also, an umbrella policy can offer added protection for unexpected accidents.

If you’re responsible for damaging someone’s property or causing an injury, your personal liability coverage through your home or auto insurance typically covers the costs. However, if the damages are significant, it could exceed your policy limits. This is where a personal liability umbrella policy can provide extra protection. Most policies also have exclusions if the damage was intentional.

Standard home insurance may not fully cover high-value items like jewelry, firearms, or electronics. Many insurers offer the option to add a rider or endorsement to increase coverage limits for these items. Alternatively, you can get a Personal Articles Policy, which provides specialized coverage for specific items, often requiring an appraisal. These policies can even cover losses, which are typically excluded under standard homeowners insurance, like mysterious disappearance.

Replacement cost means your home insurance will pay to replace your belongings with new items, while actual cash value factors in depreciation, meaning you’ll get a payout based on the current value of your items. For example, a 5-year-old TV may not be worth as much as a brand-new one under actual cash value.

The right amount of auto insurance depends on factors like your car's value, your assets, and your state’s requirements. At a minimum, you'll need liability coverage for injury or property damage to others. However, you may also want comprehensive or collision coverage to protect your own car, particularly if it's new or valuable. There are also several optional coverages that can be financially beneficial, even if not required by law, such as uninsured/underinsured motorist, medical payments, emergency roadside assistance, rental car reimbursement, and more.

Home insurance covers damage to your house and personal property in cases like fire, theft, vandalism, wind and hail. These are called "perils" or causes of loss. Home insurance policies also include liability protection for household members. Some policies may also cover temporary living expenses if you're displaced while your home is being repaired due to a covered loss.

Basic home insurance doesn’t cover flooding from outside water sourceor earthquakes. If you live in an area prone to these types of natural disasters, you can purchase separate flood insurance or earthquake coverage to make sure you're protected.

A personal liability umbrella insurance policy gives you extra coverage beyond your regular home or auto insurance. If you're found responsible for an accident or injury that exceeds your standard coverage, an umbrella policy can help cover the extra costs, like medical bills or legal fees.

Yes, renters insurance is still important. It covers your personal belongings, like electronics, clothes, and furniture, if they're stolen or damaged due to a covered "peril" (cause of loss). Plus, it includes personal liability protection in case someone is injured in your rented space, which could save you from big expenses down the line.

In most cases, your homeowners insurance would cover the damage to your property, as it’s your home that’s affected. However, if the tree fell due to your neighbor’s neglect or if they were responsible in some way, their liability coverage might help pay for the damage. It's always a good idea to discuss the situation with an insurance professional to better understand which company may be responsible.

1. Stay calm and check for injuries.

2. Call 911 if needed.

3. Move to a safe location and turn on hazard lights.

4. Call the police to file a report, if required.

5. Exchange information with other drivers and witnesses.

6. Document the scene by taking photos of damages and injuries.

7. Notify the responsible insurance company as soon as possible. You can also call your local Acuhawk agent for support.

8. Avoid admitting fault—let the insurance companies and authorities handle the investigation.

1. Stay safe: Ensure you’re out of harm’s way before inspecting any damage.

2. Document the damage: Take clear photos or videos of any visible damage to your home, roof, or property.

3. Avoid making temporary repairs unless necessary (e.g., covering broken windows, tarping open holes in a roof). t’s better to wait for an insurance adjuster’s inspection.

4. Get a professional inspection: If you are unsure if there is damage, it can help to have a local licensed contractor assess the damage.

5. Contact your insurance company: Report the damage and file a claim, if the loss is significant enough that the cost of repairs or replacement will be over and above your deductible.

6. Keep receipts for temporary repairs or any expenses incurred while waiting for the claims process.

Unsure if the situation warrants filing a claim? Contact us at Acuhawk Insurance Solutions to discuss your policy's specific deductibles and coverage limits.