Can I bind coverage over the phone or internet? No. All binding will be done at the time an agent responds back and the appropriate premium is collected.
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Am I required to have flood insurance on a property where I have no mortgage? Possibly. Some carriers require a supporting flood policy for those homes in particular flood zones.
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Do I need to list all drivers in my househoold? Yes. All licensed drivers living in the household should be listed on the policy.
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If I switch insurance carriers and have a mortgage, do I need to notify my mortgage company? Yes. Especially if the mortgage company is paying the premium out of your escrow. Most mortgage companies require the homeowner to request a payment to the new insurance carrier.
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