FAQ - Rovner & Company, LLC

What is Co-Insurance & how does it get applied?

Why do I need Flood Insurance?

How do Insurance Companies Price Workers Comp Policies?

How Do Experience Modifications affect Workers Comp Premiums

What are the cost drivers of Florida Homeowners Insurance?

What is the difference between a Hurricane Deductible & a Wind Deductible?

Why should you buy Insurance from us?

Is Geico the cheapest Auto Insurance Company?

Why you should consider Travel Accident Insurance?

What should your policy do for you if you have a loss?

Why is it important to give the Insurance Company accurate information?

What is FEMA Flood?

What can I do to lower my Auto Insurance Rates?

When does a 1099 need Workers Comp Coverage?

Should I have a Workers Comp exemption?

What happens if I hire a Sub Contractor who has a Workers Comp Exemption?

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Who needs a Hold Harmless Agreement?

When should a business owner be included on their company's Workers Comp Policy?

What Auto Liability Limits should I have on my Personal Auto Policy?

Should I have Rental Reimbursement Coverage on my Personal Auto Policy?

What coverage do I need as a "Paper GC"?

Should I invest in Flood Insurance if my property is NOT in a Flood Zone?

How do I choose the proper deductible on my Homeowners Insurance?

Why do homeowners insurance rates increase when I had no losses?

How to insure Classic & Collector Vehicles?

How do I insure a new home under renovations?

What is the difference between AM Best Raing & a Demotech Rating?

Why do I need Commercial Auto Liability coverage when my business does not own a vehicle?

When is it preferable to select a Marine policy over a standard Property Policy?

Why is the insurance company asking about my tenants when insuring a building?

How can I document the type & quality of my possessions?

Why are the interest rates on financed insurance premiums so much more than posted mortgage rates?

What can I do to lower my Flood Insurance Premiums?

Why do I need a Wind Mitigation Inspection?

What are CARCO Inspections and why do I need them?

How do I determine if my GC is presenting adequate insurance coverage?

Why are they asking for a Workers Comp Policy when there are no employees?

Does Workers Comp cover Covid-19?

Can I get Florida Homeowners Policy without a Wind Mitigation Inspection?

Should I Pay for an Elevation Certificate?

Common misconceptions of Co-Insurance?

Do I need Workers Comp in Florida if I have less than 4 employees?

What does an Employer need to do to EXCLUDE themselves from Workers Comp in Florida?

Frequently Asked Questions

What is Co-Insurance & how does it get applied?

Why do I need Flood Insurance?

How do Insurance Companies Price Workers Comp Policies?

How Do Experience Modifications affect Workers Comp Premiums

What are the cost drivers of Florida Homeowners Insurance?

What is the difference between a Hurricane Deductible & a Wind Deductible?

Why should you buy Insurance from us?

Is Geico the cheapest Auto Insurance Company?

Why you should consider Travel Accident Insurance?

What should your policy do for you if you have a loss?

Why is it important to give the Insurance Company accurate information?

What is FEMA Flood?

What can I do to lower my Auto Insurance Rates?

When does a 1099 need Workers Comp Coverage?

Should I have a Workers Comp exemption?

What happens if I hire a Sub Contractor who has a Workers Comp Exemption?

Who needs a Hold Harmless Agreement?

When should a business owner be included on their company's Workers Comp Policy?

What Auto Liability Limits should I have on my Personal Auto Policy?

Should I have Rental Reimbursement Coverage on my Personal Auto Policy?

What coverage do I need as a "Paper GC"?

Should I invest in Flood Insurance if my property is NOT in a Flood Zone?

How do I choose the proper deductible on my Homeowners Insurance?

Why do homeowners insurance rates increase when I had no losses?

How to insure Classic & Collector Vehicles?

How do I insure a new home under renovations?

What is the difference between AM Best Raing & a Demotech Rating?

Why do I need Commercial Auto Liability coverage when my business does not own a vehicle?

When is it preferable to select a Marine policy over a standard Property Policy?

Why is the insurance company asking about my tenants when insuring a building?

How can I document the type & quality of my possessions?

Why are the interest rates on financed insurance premiums so much more than posted mortgage rates?

What can I do to lower my Flood Insurance Premiums?

Why do I need a Wind Mitigation Inspection?

What are CARCO Inspections and why do I need them?

How do I determine if my GC is presenting adequate insurance coverage?

Why are they asking for a Workers Comp Policy when there are no employees?

Does Workers Comp cover Covid-19?

Can I get Florida Homeowners Policy without a Wind Mitigation Inspection?

Should I Pay for an Elevation Certificate?

Common misconceptions of Co-Insurance?

Do I need Workers Comp in Florida if I have less than 4 employees?

What does an Employer need to do to EXCLUDE themselves from Workers Comp in Florida?