Frequently Asked Questions

Welcome to the Frequently Asked Questions page of LH Insurance. Here, you will find answers to the top questions our clients have about our insurance services. If you have additional questions, feel free to reach out to us for more information.

Auto & Commercial Insurance – Frequently Asked Questions

Is auto insurance required by law?

Yes, almost every state requires at least liability coverage. The exact minimum limits vary by state.

How can I lower my auto insurance premium?

You can lower your rate by:

  • Bundling home and auto

  • Raising your deductible

  • Maintaining a clean driving record

  • Installing anti-theft devices

  • Qualifying for good driver or good student discounts

What is the difference between full coverage and liability only?

  • Liability Only: Covers damage/injury to others.

  • Full Coverage: Includes liability, plus comprehensive and collision coverage for your vehicle.

Can I get insurance if I'm a new authority or a new CDL driver?

Answer:
Yes, but it can be more expensive. New authorities and drivers with less than 2 years’ CDL experience are considered higher risk. We work with carriers that specialize in helping new ventures get started — and we can often help you lower your premiums with smart coverage options and safety programs.

 

 

 

Homeowner & Renters Insurance - Frequently Asked Questions

What does homeowners insurance actually cover?

Answer:
Homeowners insurance typically covers:

  • Your home (dwelling) – repairs if damaged by fire, storms, theft, etc.

  • Personal belongings – furniture, electronics, clothing, etc.

  • Liability protection – if someone is injured on your property

  • Additional living expenses – if you can’t live in your home during repairs

Why do I need renters insurance if I don’t own the property?

Answer:
Renters insurance protects your personal belongings (like electronics, clothes, and furniture) against theft, fire, or damage — and includes liability protection if someone gets hurt in your rental.

How much does renters insurance cost?

Answer:
It’s very affordable — usually between $10–$25/month, depending on coverage limits and location. You can often save more by bundling it with auto insurance.

Business Insurance - Frequently Asked Questions

What kind of insurance does my business need?

Answer:
It depends on your industry, but most businesses need at least:

  • General Liability Insurance – protects against customer injuries, property damage, or lawsuits.

  • Commercial Property Insurance – covers your building, inventory, or equipment.

  • Workers’ Compensation – required if you have employees (in most states).

  • Many small businesses benefit from a Business Owner’s Policy (BOP), which bundles general liability and property insurance at a better rate.

We’ll help you choose the right coverage based on your specific business type and risk.

Why do I need business insurance if I run a small or home-based business?

Answer:
Even small businesses face big risks — one accident, lawsuit, or fire could wipe you out financially. Business insurance protects your operations, assets, and reputation. Plus, many landlords, clients, and vendors require proof of insurance before signing contracts.

Need more information?

Contact us today for a free quote or to schedule an appointment with one of our insurance experts.