FAQ Frequently Asked Questions – Auto Insurance – Is hail damage covered on my auto insurance? Is someone else covered on my auto insurance if they are driving my vehicle and injured in an accident? Are hit and run accidents covered on my auto insurance policy? What are Uninsured Motorist coverage and Underinsured Motorist coverage on auto insurance? How are trailers (travel, utility, camper, fifth wheels, etc) covered on insurance? – Homeowners (Renter’s and Condo) Insurance – Are boats covered on my homeowners insurance? What does it mean to “escrow” my homeowners insurance? Is my high value art covered on my homeowners insurance? What is Renter’s insurance? Do I need Renter’s insurance if I live with my parents or relatives? What is back up of sewer or drain coverage and why would I need it? – Business Insurance – What is an Additional Insured, and when should I add an Additional Insured to my policy?