Are there only two states out of 50?
Standard insurance is for drivers with very few violations, claims or cancellations of previous policies. In most cases, these drivers have better insurance (or credit) scores. Based on these characteristics, standard insurance premiums are much less than non-standard insurance premiums. Non-standard insurance, on the other hand, is for those with major violations, prior cancellations, prior claims, no prior insurance coverage amongst other things. These insurance policies, most likely, are for minimum coverage.
A standard policy is an insurance policy that is offered using a state propagated coverage form based on the states recommended coverage. They are designed to be cookie cutter policies that offer a uniform coverage for insureds and maximum profitability to the issuing insurance company. a standardized policy form generally has little or no room for customized coverage.
Homeowners Windstorm InsuranceMost homeowners Insurance Policies come standard with Windstorm Coverage unless you are in certain high risk areas. If your policy does not already have windstorm coverage and you need or prefer to have it you should contact your Insurance agent to ask about adding it to your policy.If the company you are currently with does not offer t he coverage for your area you may need to purchase through another provider.
It may and it may not. It depends on the definitions of an "insured" driver under the terms of your insurance policy and the type of insurance policy you bought. Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost "Named Driver" policies extend coverage to no one other than those named on the policy. Contact your insurance agent if you need assistance with your policy language.
Renters insurance can be purchased for an apartment or rented home or condo. Most standard policies come with contents coverage, liability coverage, and reimbursement for external living expenses in the event that your residence is significantly damaged. Here is an informative article I found on how to find affordable renters insurance: http://www.insuranceagents.com/free-renters-quotes.html
Many insurance companies purchase a standardized policy form from vendors such as ISO (Insurance Services Office). Some companies vary their policy from the standardized form and make it a little different from the ISO policy form. The companies who use the standard form are referred to as Standard Auto Insurance and those who do not are referred to as Specialty Auto Insurance. In reality all of them are a little different and are made different by endorsements. The Specialty Auto Policies have a little less coverage in certain small areas of coverage. The differences are generally small.
The answer depends on the type of auto insurance policy you purchased and your state laws. Not all auto insurance policies are equal.Most standard auto insurance policies will cover any driver that fits the definition of a "covered driver" under the terms of your policy.Nonstandard or limited policies such as Operators or Named Driver policies although a cheaper option if price was an issue when you purchased your coverage, often do not cover anyone not named on your policy.Best advice is to contact your Insurance Agent and ask about your current coverage and any other coverage concerns you have or options available to you.
If you elected to have coverage for accidental water discharge when you purchased your policy, then Yes, your homeowners' insurance will cover any resulting water damage. Accidental water discharge coverage invokes only after the homeowner has repaired the offending leak that is causing the damage. Water discharge coverage does not pay for the repair of the toilet itself as this would simply be an owners maintenance issue and not a covered peril. Check your policy to make sure you have Accidental Water discharge coverage. Sewage back up, another maintenance issue, is also not covered by standard policies, although resulting damage could be covered.
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