Mikolajcik-Schultz and Associates

Be yourself; everyone else is already taken. Oscar Wilde

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Does my auto insurance cover damages if I lend my car to someone else? Your auto insurance policy is for the car, not the driver, meaning your auto insurance will cover damages incurred by a friend or family member borrowing your car, up to your policy limit. The driver’s auto insurance serves as secondary coverage, kicking in after the limits of your policy have already been reached.

Does my auto insurance cover me if I rent a car? When you rent a car, the rental company will usually offer liability and damage coverage through insurance that you can purchase from the company. It isn’t always necessary to purchase this coverage, as most standard auto policies extend their coverage limits to any vehicle driven on occasion. Whether or not you are covered will vary policy to policy.