You wake in the middle of the night to a noise. You search your house for what made it, only to find your car is ablaze in your drive way!!

The flames are reaching tree tops, melting windows and even your license plate. The police come, the fire department comes, and even the neighbor across the street comes. But all anyone can do is wait it out.

After the excitement is settled you wonder, what is covered on my MA Auto Insurance?

Well, your car is if you have Comprehensive coverage on your Massachusetts Auto policy. That coverage is subject to a deductible.

If you took the sales persons advice at the dealership when you bought it you also have GAP Insurance. This means that whatever is left on your loan after your MA Auto Insurance Company pays out the GAP Insurance will cover. Auto Insurance Companies in MA; such as Hanover Insurance, offer this coverage as an additional coverage as well with your MA Auto Insurance policy.

Now what about your belongings in your car? The purse you left in the front seat, the CDs that were in the console, your sons PSP, etc.

These are not covered by your MA Auto Insurance. They would be covered by your MA Homeowners Insurance under your Personal Property Coverage.

But wait, you don’t own a home. You are one of the many Americans that rent. Well for you there is MA Renters Insurance. This insurance works like a MA Homeowners policy, covering Personal Property and even Liability but doesn’t include dwelling coverage like a Homeowners policy in MA does.

While the sun is coming up and you are looking at the charcoaled ruin of what once was your means of transportation you realize, “Everything will work out”. You had talked with your Insurance Agent at Dale Frank Insurance and taken their advice.

You have coverage for everything!!

This is based on a true story. They did have coverage for everything, Do you?