You can always call your insurance agent and they can order you a new copy of the insurance policy. You might also be able to print the policy from the website.
Not likely. Never heard of someones garden being covered under a homeowners insurance policy but. To be sure though you might want to review your policy schedule of coverages or ask your Insurance Agent.
Typically no. but you might wanna contact your insurance agent just in case. There are some new policy forms of late that are offering such coverage,
You might want to check with your insurance agent, but cash, stocks, bonds and bullion are typically not covered under your homeowners insurance policy unless specifically scheduled.
In general, you need to be an adult, since an insurance policy is a contract- and a minor cannot make a contract. In the RARE case of an "emancipated minor", you might, In most cases, you will need to be 18. You may be carried as an additional driver on an adult's policy. Check with your insurance agent.
It really depends on the coverage you bought. You might look for a reference in your policy terms and definitions for language referencing infestations. Or, Just contact your Insurance Agent and ask.
CIGNA is the parent company of Life Insurance Company of North America. If you have the policy number, you may contact CIGNA, which has its home office in Philadelphia, and start the search there. Another alternative is to contact the agent who/which sold the policy. The agent's identity is normally shown on one of the first pages of the policy, or on a cover when the policy is in booklet form. If you cannot locate the agent at the address shown on the policy, contact the state insurance commissioner's office where the agent was located and determine whether or not he/she remains licensed. The insurance commissioner's office will have current contact information for the agent. It might be the case that the original agent is no longer working or is no longer representing CIGNA/INA. If that is the case, your efforts are best directed at contacting the insurance company. Keep in mind that these efforts might not turn out to be worthwhile if premiums were not paid for the duration of the premium-paying period. If it was a term policy, coverage generally would have terminated within if a premium was 30 days or so late, because a term policy does not accumulate cash value. If it was a whole life policy, the coverage might have survived for a period of time after the cessation of premium payments, as the policy may have "lived off" of the accumulated cash value until it was exhausted. At that point, coverage would usually terminate for nonpayment of premium.
Supplemental insurance is an additional insurance which provides coverage in excess of your primary insurance policy. For example, Flood Insurance is a supplemental insurance to your homeowners policy which does not cover damage from floods. Or, you might have an Umbrella Liability policy which provides coverage to a higher dollar limit above your auto policy or business policy.
The insurance agent markets and sells insurance products to his or her clients. They might also sell other financial products such as annuities, mutual funds and securities.
Yes, you could get direct auto insurance from any licensed insurance agent. You might want to call various insurance agents to get the best rate, however.
A parent or other adult can purchase insurance for a minor. A minor might not be able to make the payments on a policy.
A family life insurance policy differs from an individual insurance policy by the amount of persons included in the policy. The family option includes a (marriage) partner and probably one or more children. There might also be the option to include pets into the policy depending on the insurance company.