Do You Need Car Insurance if You Don't Own a Car?
Non-owner insurance (also known as non-driver insurance) provides you with liability coverage for any bodily injury or property damage you cause when you're driving a car you do not own. A typical non-owner policy will include Bodily Injury Liability and Property Damage Liability, and some insurance companies also offer Medical Payments coverage and uninsured/under insured auto coverage.
Owning car insurance without owning a car might sound silly, but that doesn’t mean it’s not a good idea—even if you don't plan on driving. If you don’t own an automobile and, therefore, do not have auto insurance, you can and should buy a temporary or annual insurance policy.
Why Get Non-Owner Car Insurance?
If you ever want to drive while traveling, or want to prevent your future rates from spiking due to a lapse in coverage, you may need to consider "non-owner" coverage.
What Is Non-Owner Car Insurance?
Non-owner insurance (also known as non-driver insurance) provides you with liability coverage for any bodily injury or property damage you cause when you're driving a car you do not own. A typical non-owner policy will include Bodily Injury Liability and Property Damage Liability, and some insurance companies also offer Medical Payments coverage and uninsured/under-insured Motorist coverage.
Who Needs Non-Owner Car Insurance?
You are applying for a driver's license in a state that requires proof of financial responsibility and you do not own a car.
You are regularly renting cars or driving cars that do not belong to you and are not listed as a driver on the vehicle owner's policy, a non-owner policy would serve as your primary liability coverage.
You are in-between cars, a non-owner policy could help you maintain a history of continuous coverage and avoid being labeled a high-risk driver.
You are trying to reinstate your driver's license and are required to file an SR22 or an FR44 with the state and you don't own a car.
Who Doesn't Need Non-Owner Car Insurance?
You own a car – in which case, you'd purchase a traditional owner policy that complies with your state's minimum financial responsibility requirements.
You don't have a driver's license and will not be obtaining one within 30-days of starting the non-owners policy.
There is a vehicle owned by someone in your household like your mom, son, or daughter….If there’s a vehicle in your household, you'll usually be required to be listed on the car owner's policy.
A non-owner car insurance policy will not include Comprehensive, Collision, Rental Reimbursement, or Towing, since the policy is not attached to a specific vehicle. If you don’t own a car but frequently use one, it may be time to reconsider your coverage.
Protect Yourself
Before taking the wheel, make sure you're adequately insured. Get a free quote or compare policies by speaking with one of our insurance consultants. It’s our job to seek out the best coverage from the best providers so we can guarantee you’re paying the best price every year.
Are You Prepared with Sewage Backup Insurance?
Sewage back-up issues can cause thousands of dollars worth of damage to floors, walls, furniture and electrical systems. Many people assume that the sewage protection (swamp and pump overflow) is covered by their homeowners or their insurance company. Sanders Insurance can help you tailor the right policy to cover professional cleaning and replacement of furniture and carpets damaged by backup problems. The costs for the repair or replacement of pipes can be covered by the sewage insurance as well. Our goal is to help you understand that your standard policies are not going to include unique and unforeseen circumstances such as sewage backup insurance.
If your sewage pipe breaks or collapses, you may be surprised at how little your normal home insurance covers. Our goal is to help you understand that your standard policies are not going to include unique and unforeseen circumstances such as sewage backup insurance.
We found this video from the Honest Carpenter that you might enjoy talking about the subject:
Do you need to worry about a Sewage Backup?
This is an issue no one wants to deal with but when it happens, you will have way less of a headache to deal with if you know it is covered. A sewage pipe insurance is an excellent way to provide protection in the event of blockage or blockage of the drain. It can help cover management issues that are excluded from home contents insurance.
How does a Sewage Backup happen?
Just like the pipes in your house, your main sewer line can become clogged. A common cause of sewage retention is caused by flushing objects that should not be flushed. Paper towels are particularly harmful when flushed because they accumulate in the pipes. Edible oil is even worse because it can clump and clog up in the pipe. The three top causes:
Clog
Tree roots
Broken sewer lines
Why do you need Sewage Backup Insurance?
These issues can cause thousands of dollars worth of damage to floors, walls, furniture and electrical systems. Many people assume that the sewage protection (swamp and pump overflow) is covered by their homeowners or their insurance company.
What yo expect from Sewage Backup Insurance?
The insurance covers professional cleaning and replacement of furniture and carpets damaged by backups. The costs for the repair or replacement of pipes are covered by the sewage insurance.
Considerations
In flood-prone areas, it is important to have flood insurance and sewage retention insurance. Think, for example, of your basement and its area, which is most likely to be flooded in the event of a backlog of water.
Heavy rains can cause streams to swell and flood your home. The Insurance Information Institute cites studies suggesting that sewage protection, also known as water protection, is becoming more common.
Protect Yourself
Be prepared for the unexpected. Get a free quote or compare policies by speaking with one of our insurance consultants. It’s our job to seek out the best coverage from the best providers so we can guarantee you’re paying the best price every year.
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