Since you are driving a friends car and not yours, you would use their car insurance. If there are costs left over after their insurance pays, you can then use your insurance.
No. This is a long standing myth among drivers. The color of your car is not a factor in determining your insurance rates.
Flood damage is NOT covered under a standard homeowners policy. some other natural disasters may not be either. Our agents will make sure to review the coverage options in your policy.
Yes, the amount of coverage is shown in the liability coverage section of your policy. It is important to have enough coverage to cover a lawsuit in the event someone may sue after an injury at your home.