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↓ Q: Should I buy insurance from the rental car agency when I rent a car?
A: If you have a New York auto policy insuring your own car for physical damage (comprehensive and collision) there is no need to purchase insurance from the rental agency. By law, your policy must cover you for all obligations assumed by you for damage to the rental vehicle.
↓ Q: How do I choose an insurance deductible?
A: In general, you should always select as high a property deductible as you can afford. If you do not intend to submit a claim for under $500, then you should elect a $500 deductible.
↓ Q: Does my homeowner insurance policy cover flood damage?
A: Generally, homeowner insurance policies do not offer protection against flood losses. Check your policy under Section I- Exclusions; it would be listed under “water damage”. You can purchase a separate policy for flood damage. To see if you need a flood insurance policy, contact our homeowners’ insurance team here.