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.

I never had auto insurance. Will my first time be expensive?

It depends on your age and the auto. The rates are much cheaper if you already have auto insurance for the past 6 months without a lapse. JNR Insurance will shop for the best deal.

Can I add other drivers to my auto insurance policy?

Yes, you should add any other driver who has regular accesss to your vehicle.  However, it is important to note that the rates may change according to the driver.

Can I pay my auto insurance in installments?

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

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.

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 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 agents to ensure you get a policy that best fits your needs.

Is construction insurance the same as property insurance?

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

Who needs construction insurance?

All contractors and owners of property, while under construction, need 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 can usually be amended mid-term, if your policy does not meet your needs. We can usually modify it to meet your revised needs.

Homeowner’s Insurance

Are you required to have homeowners insurance?

If you have a mortgage, then 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?

There are many things that may not be automatically included. We recommend that you speak with one of our insurance specialists to select the best homeowners insurance options for you!

Is my jewelry covered by my homeowners policy?

Your jewelry is covered by your homeowners policy, with limitations. Generally, most companies only cover up to $1,500 unless you schedule coverage by sending in receipts or appraisals to add it.

Does having a fire department or fire hydrant near me affect the cost of my policy?

It may or may not affect the rate of your policy, depending on where you live and other variables. Let a JNR Insurance agent answer this question for you.

Flood Insurance

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

Usually, your homeowners policy does not cover anything related to a flood. However, your homeowners policy may have water related damages covered under the policy.  

Can I get flood insurance?

We recommend having flood insurance if you are a homeowner. It would be best contact one of our flood insurance specialists to learn more about your options.

Should I purchase flood insurance if I am renting?

We recommend that if you are renting a home in a zone where flood insurance is required or are in a high flood zone, that you obtain coverage for your personal property.

What does flood insurance cover?

Flood insurance covers flooding from natural disasters.

Call us today to learn more about your insurance options.

(718) 640-1642