Am I covered if I drive someone else's vehicle?
In general, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the car owner's insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages



What does "full coverage" mean?
This term - full coverage - generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens.



Will my policy be canceled if I have an accident?
Typically, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.

If I rent a car, do I have coverage?
Rental car coverage under a private passenger policy varies state by state. Car rental companies may charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Your McGann agent will advise you as to the type of auto coverage your policy has.



What can I do to keep my auto premiums down?
Your McGann insurance agent will show you how you can save money on your auto premiums. A few ways are:
Check to see if you're eligible for any discounts such as claim-free, driver education, auto/home or multi-car.
Advise you as to increasing your deductible can lower your premium.



If I have a loss due to fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft, am I covered?
Yes. Typically, your homeowners insurance covers a large number of perils, including all those listed. There are some limits, however, on the amount of insurance you have. Consult with your McGann Insurance agent to find out about your coverages.



Does Homeowners' insurance provide protection against floods?
No. Flood insurance is only available from the National Flood Insurance program. Ask your McGann insurance agent about flood insurance, and if you need it.

A neighbor slips on my sidewalk and threatens to take me to court for damages. Does my homeowners' policy protect me?
Yes it will. If the accident is the result of your negligence, your Homeowners' insurance will pay for damages. It will also pay for the legal costs of defending you against a claim. Also, the medical payments, included as part of your homeowners' policy, will cover medical expenses arising from an injury to a neighbor or guest. Contact your McGann insurance agent to review your policy limits to help ensure you have adequate coverage.



Is my jewelry covered by my homeowners' policy?
Within your homeowners' policy, there is limited, standard coverage available for your jewelry. In most cases, you will need to purchase a Personal Articles Floater, which extends protection for your jewelry when its value is higher than the limits stated in your homeowners' policy. Your McGann Insurance agent will help determine if you need to purchase Floater coverage.



What is Artisan Contractor Insurance?
Coverage for carpenters, plumbers, electricians, painters, mason service providers, landscape gardeners, janitors and carpet cleaners

What is Auto Trades Insurance?
Coverage for body shops, repair garages, auto dealerships, quick lube oil change outlets, transmission shops, muffler shops, auto glass shops, and gasoline service stations.

What is Commercial Real Estate Insurance?
Coverage for office buildings, retail shopping centers, buildings used for manufacturing and industrial assembly, and private commercial warehouses.

What is Habitational Insurance?
Coverage for apartment owners, condo association members, expanded directors and officers liability and business income.

What is Manufacturing Insurance?
Coverage for manufacturers of food, plastics and rubber products, office equipment, metal working and metal products fabricators, and audio, video, and communications equipment fabricators.

What is Restaurant Insurance?
Coverage for buffets, cafes, cafeterias, carry-out restaurants, coffee shops, fine dining restaurants, delis, drive-ins, and fast food.

How financially stable is Farmers?
The A.M. Best Company, who is responsible for evaluating the financial strength of companies, ranks Farmers among the best in the world with an A+ (Superior) rating. This rating means that Farmers has the financial resources and favorable operating results to provide for our customers in the event of catastrophes, or other adverse events in the marketplace.

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