--- title: Top 3 Scary Assumptions about Insurance description: Insurance can seem scary but it doesn't have to be. Check out the latest HPM Insurance Blog. image: https://hpminsurance.com/hubfs/Assets/General%20Insurance/scary%20eyes72.jpg --- [![HPM Insurance](https://hpminsurance.com/hubfs/HPMinsurance-Aug2017/Images/HPM_Logo_Large.jpg)](https://www.hpminsurance.com/) [![Client_Portal_Small_Web_Header_600x120_transparent](https://hpminsurance.com/hs-fs/hubfs/Client_Portal_Small_Web_Header_600x120_transparent.png?width=347&height=70&name=Client_Portal_Small_Web_Header_600x120_transparent.png)](https://insurlink.vertafore.com/end-insured/2005196-1) ** [603-673-1201](tel:6036731201) - [Personal Insurance](https://hpminsurance.com/personal-insurance-quotes-new-hampshire) - [Auto Insurance](https://hpminsurance.com/car-insurance-new-hampshire) - [Corvette Insurance](https://hpminsurance.com/corvette-insurance-new-hampshire) - [Homeowners Insurance](https://hpminsurance.com/homeowners-insurance-new-hampshire) - [Airbnb Insurance](https://hpminsurance.com/airbnb-insurance-new-hampshire) - [ATV Insurance](https://hpminsurance.com/atv-insurance-new-hampshire) - 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[Personal Insurance](https://hpminsurance.com/blog/topic/personal-insurance). Halloween is a fun time; however, when insureds make assumptions about their insurance coverage, it can be downright scary for an insurance professional. Here are three assumptions many people make about their insurance that are not just wrong, they are terrifying!![Scary Insurance Issues!](https://hpminsurance.com/hs-fs/hubfs/Assets/General%20Insurance/scary%20eyes72.jpg?width=915&name=scary%20eyes72.jpg) ## "Once I buy an insurance policy, I don't have to worry about it again..." Ahhhh!  As they say, the only thing constant is change.  Vehicles get replaced, commutes change, loans get paid off or added, additions and upgrades occur at homes, businesses change to adapt to demand, exposures change over time with cyber liability and employer practices liability claims... the list goes on and on.   Though insurance agents work hard to uncover the unknown, they do not have a crystal ball.  It is up to the insured to look at each insurance policy at least upon every renewal to ensure coverage is what they expect.  If you don't understand something, contact your insurance professional as they can explain what is or is not included in your coverage. ## "I have a personal umbrella insurance policy, so I am covered for everything!" Yikes! Personal umbrella insurance typically provides an additional layer of liability coverage over personal insurance policies, like home and auto insurance; however, it is not a net of protection over everything! - A personal umbrella can provide coverage over owned recreational vehicles and watercraft as well, but typically only if listed on the umbrella and have separate underlying policies.   - All business activity is typically excluded from a personal umbrella. - An umbrella policy is designed to provide an additional layer of liability protection if you are found legally liable for causing injury or property damage to someone else outside your household.   It is not designed to fill a coverage gap for say a new vehicle you purchased but forgot to add to your car insurance policy, or it was determined that the dwelling coverage on your home was not adequate to rebuild.  ![Scary Insurance Issues](https://hpminsurance.com/hs-fs/hubfs/Assets/General%20Insurance/scared%2072.jpg?width=1382&name=scared%2072.jpg) ## "I don't need to buy the insurance offered by the car rental company when I rent - my policy will cover it." Oh-no!  Like many issues in insurance, this is a gray area.  If renting in the US and Canada, most car insurance policies follow the named insured on any car driven with permission- but only for the coverage carried on insured's own car insurance policy.  This means that if the named insured decides not to carry collision coverage on a ten-year-old vehicle, there will be no collision coverage on the brand-new rental! Even if you do carry high liability limits and physical damage coverage on your auto policy, the rental agreement is between you and the rental agency.  The rental company could include language in the contract you sign with them making you responsible for loss-of-use fees, administrative fees and diminished value, to name a few.  As these are not typically part of your own auto coverage, it would not typically extend to the rental agency either.  One way to avoid being terrified while standing at the car rental agency counter is to find out beforehand what your personal auto policy covers while renting a car, and what it does not.  Some insurance companies offer additional coverage to fill some of these car rental gaps, but it is not automatic, so ask first.  Your credit card company may also offer some protection so certainly worth a little research. Insurance does not have to be scary!  With a little time, you can work with your local agent to ensure there are no surprises that will give you a fright.  Happy Halloween!   ### Possibly related posts: - [How Do I Insure An Investment Property?](https://hpminsurance.com/blog/how-do-i-insure-an-investment-property) - [How Does a Speeding Ticket Impact My Auto Insurance in New Hampshire?](https://hpminsurance.com/blog/how-does-a-speeding-ticket-impact-my-auto-insurance-in-new-hampshire) - [How Will Tariffs Likely Impact Your NH Home & Auto Insurance Rates?](https://hpminsurance.com/blog/how-will-the-tariffs-impact-your-nh-home-auto-insurance-rates) - [The Basics of NH Directors and Officers Insurance](https://hpminsurance.com/blog/the-basics-of-nh-directors-and-officers-insurance) ## Request Free Insurance Quotes! ### [Rss Feed](https://hpminsurance.com/blog/rss.xml) - [Personal Insurance (61)](https://hpminsurance.com/blog/topic/personal-insurance) - [Homeowners Insurance (44)](https://hpminsurance.com/blog/topic/homeowners-insurance) - [Business Insurance (35)](https://hpminsurance.com/blog/topic/business-insurance) - [Car Insurance (26)](https://hpminsurance.com/blog/topic/car-insurance) - [Agency News (24)](https://hpminsurance.com/blog/topic/agency-news) - [Commercial Insurance (21)](https://hpminsurance.com/blog/topic/commercial-insurance) - [Safety Tips (14)](https://hpminsurance.com/blog/topic/safety-tips) - [Health Insurance (9)](https://hpminsurance.com/blog/topic/health-insurance) - [Claim Information (8)](https://hpminsurance.com/blog/topic/claim-information) - [Auto Insurance (7)](https://hpminsurance.com/blog/topic/auto-insurance) - [Insurance Tips (6)](https://hpminsurance.com/blog/topic/insurance-tips) - [Boat Insurance (5)](https://hpminsurance.com/blog/topic/boat-insurance) - [Commercial Auto Insurance (5)](https://hpminsurance.com/blog/topic/commercial-auto-insurance) - [Workers Compensation Insurance (5)](https://hpminsurance.com/blog/topic/workers-compensation-insurance) - [Jewelry Insurance (4)](https://hpminsurance.com/blog/topic/jewelry-insurance) - [Landlord Insurance (4)](https://hpminsurance.com/blog/topic/landlord-insurance) - [Small Business Insurance (4)](https://hpminsurance.com/blog/topic/small-business-insurance) - [save money (4)](https://hpminsurance.com/blog/topic/save-money) - [Cyber Insurance (3)](https://hpminsurance.com/blog/topic/cyber-insurance) - [Flood Insurance (3)](https://hpminsurance.com/blog/topic/flood-insurance) - [NH Homeowners Insurance (3)](https://hpminsurance.com/blog/topic/nh-homeowners-insurance) - [renters Insurance (3)](https://hpminsurance.com/blog/topic/renters-insurance) - [Life Insurance (2)](https://hpminsurance.com/blog/topic/life-insurance) - [NH Auto Insurance (2)](https://hpminsurance.com/blog/topic/nh-auto-insurance) - [Property Insurance (2)](https://hpminsurance.com/blog/topic/property-insurance) - [Agency Happenings (1)](https://hpminsurance.com/blog/topic/agency-happenings) - [Business Insurance New Hampshire (1)](https://hpminsurance.com/blog/topic/business-insurance-new-hampshire) - [Condo Insurance (1)](https://hpminsurance.com/blog/topic/condo-insurance) - [Employee Benefits (1)](https://hpminsurance.com/blog/topic/employee-benefits) - [High Value Home Insurance (1)](https://hpminsurance.com/blog/topic/high-value-home-insurance) - [High-Value Homeowners Insurance (1)](https://hpminsurance.com/blog/topic/high-value-homeowners-insurance) - [Home Insurance (1)](https://hpminsurance.com/blog/topic/home-insurance) - [Motorcycle Insurance (1)](https://hpminsurance.com/blog/topic/motorcycle-insurance) - [New Hampshire Insurance (1)](https://hpminsurance.com/blog/topic/new-hampshire-insurance) - [RV Insurance (1)](https://hpminsurance.com/blog/topic/rv-insurance) - [Travel Insurance (1)](https://hpminsurance.com/blog/topic/travel-insurance) - [commercial property insurance (1)](https://hpminsurance.com/blog/topic/commercial-property-insurance) - [homeoweners insurance (1)](https://hpminsurance.com/blog/topic/homeoweners-insurance) ## Subscribe to Our Blog - ### Don't Wait. 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Visit http://www.hpminsurance.com to get all the information you need. 101 Ponemah Road Amherst, NH 03031 **Hours:** 8:00am - 5:00pm, M - F Phone: 603-673-1201 [![Paid Family and Medical Leave Insurance New Hampshire](https://res.cloudinary.com/expertise-com/image/upload/f_auto,fl_lossy,q_auto/w_auto/remote_media/awards/nh_manchester_car-insurance_2021_transparent.svg)](https://www.expertise.com/NH/manchester/car-insurance) © 2026 HPM Insurance | [Privacy Statement](https://hpminsurance-3427324-hs-sites-com.sandbox.hs-sites.com/about-us/privacy-statement) | This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. Website Built & Powered by [Jump Suit Group](https://www.jumpsuitgroup.com/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "April Weismann", "url" : "https://hpminsurance.com/blog/author/april-weismann" }, "dateModified" : "2019-07-11T21:06:59.365Z", "datePublished" : "2018-10-24T14:10:44.000Z", "headline" : "Top 3 Scary Assumptions about Insurance", "image" : [ "https://hpminsurance.com/hubfs/Assets/General%20Insurance/scary%20eyes72.jpg" ], "mainEntityOfPage" : { "@id" : "https://hpminsurance.com/blog/top-3-scary-assumptions-about-insurance", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hpminsurance.com/hubfs/HPMinsurance/Images/HPM_Logo_Large.jpg" }, "name" : "HPM Insurance" } } ```