Frequently Asked Questions

Car Insurance

How do I know what auto insurance coverage is right for me is?

If your vehicle is leased, it must reach the legal requirements of 100k/300k liability, plus full coverage for your vehicle with a deductible of $1000 or less by collision and comprehensive coverage.

If you own your vehicle with a finance, you may choose less liability coverage but you must have full coverage for your vehicle. If you own your vehicle without a finance, we recommend at least 50/100 liability coverage.

Can I change my car insurance policy in the middle of my policy?

Yes, you can change your auto insurance policy whenever you need to. It is always an option switch carriers or cancel your car insurance policy during a policy term.

How long does it take to get a car insurance quote?

JNR Insurance can usually have an auto insurance quote ready for you within an hour. However, if you are rushed we can have the car insurance quote within 15 minutes.

Do I have to have auto insurance?

The rates are much cheaper if you already have auto insurance for the past 6 months without a lapse.

Can I put anyone on my auto insurance policy?

Yes, you can put anyone on your car insurance policy. However, it is important to note that the rates may change though according to the driver.

How can I pay my auto insurance?

You can make payments on your car insurance either in full semi-annually or in monthly installments.

Is auto insurance tax deductible?

No, unfortunately your auto insurance is not tax deductible.

Do you check my driving history before providing me with an auto insurance quote?

We first get you a rough quote, if that is favorable we will run your MVR as part of the final process. Keep in mind your driving history will affect your auto insurance premium.

Does my auto insurance cover a rental car?

Yes, your auto insurance should cover your rental car.

Do you check my credit before providing me with a policy amount?

We do not run a hard credit report before providing you with your auto insurance policy amount.. However, the way you use your credit will affect the your car insurance premium.

Construction Insurance

What is construction insurance?

Construction insurance is a type of insurance that insures you for damage incurred by work done. There are different types of polices to select from and it is best that you talk with one of our insurance agent to ensure you get a policy that fits your needs best.

Is construction insurance the same as building insurance?

No, construction insurance is not the same as building insurance. They are two completely separate insurance policies. However, on buildings undergoing minor renovations you might be able to combine construction insurance and building insurance under one policy.

Who needs construction insurance?

All contractors and building owners needs construction insurance. Once again it is best to talk with one of JNR Insurance's agents to ensure you are getting a policy that will properly cover your business.

How do you know how much you should be insured for?

There are a lot of factors that determine how much your construction insurance should cover. You will need to discuss your business operations with an agent to know that.

Are you able to change your policy during the policy term?

Construction insurance coverage could usually be amended mid-term, if your policy could not meet your needs we can always work on getting you what you need.

Homeowner Insurance

Are you required to have homeowners insurance?

If you have a mortgage than the bank will request that you have homeowners insurance. If you rent your home or own it without a mortgage it’s your decision if you want homeowners insurance.

Is anything excluded from homeowner insurance policies?

Jewelry, silver, and fur is not covered under most homeowners insurance policies for theft loss. We recommend that you speak with one of our insurance specialists to select the best homeowners insurance policy for you!

Is my jewelry covered by my homeowners policy?

Your jewelry is covered by your homeowners policy for fire and water damage. However, if it is theft related then most companies only cover up to $2,000 unless you send in receipts or appraisals to add it.

Does having a fire department near me effect the cost of my policy?

Typically having a fire department near your home does not effect the cost of your policy.

Flood Insurance

Does my homeowners policy cover me in case of a flood?

Your homeowners policy will cover you for waterback up. However, your homeowners policy will not cover you if you are in a flood zone. If you live in a flood zone then you need to have flood insurance. Flood insurance is a completely separate policy from homeowners insurance.

How do I know if I am eligible for flood insurance?

Your eligibility for flood insurance will depend on the zone that you live in. For example, if you live next to the coast. It would be best contact one of our flood insurance specialists to learn more about your options.

Get I get flood insurance if I am renting?

We recommend that if you are renting a home in a zone where flood insurance is required that you are covered.

What does flood insurance cover?

Flood insurance covers natural disasters such as hurricanes.