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Fact or Fiction? An Insurance Game!

April 12, 2010

Chris Garlasco, Owner & Managing Partner - Founders Insurance Group

I thought today that we could have some fun playing a little game of “fact or fiction” in testing your insurance knowledge. Fun is a term that I would use somewhat loosely as fun and insurance are not often found in the same sentence. I actually found it difficult to think of a sentence that the two words would end up as part of the same thought. How about, “the devil thought it would be fun to have everyone in hell study insurance for the remainder of eternity.” I guess you can see my point.

So, with that in mind, let’s try to make it a “fun” exercise. The answers are located at the end of this entry.



  1. “All insurance companies are the same so the only thing that matters is the price?” I thought I’d throw you a softball for the first one. So…fact or fiction?
  2. “Home insurance policies cover you against flood.” Fact or fiction?
  3. “Home insurance policies cover earthquake.” I threw that one in there for the three readers I have on the west coast. Fact or fiction?
  4. “An insurance policy is like a bank account. Everyone that pays in should get something back out” Fact or fiction?
  5. “Dog bites are one of the largest causes of home insurance liability claims.” Fact or fiction?
  6. “A tree falls on your house, but nobody is around to hear it” “It’s covered, right?” Fact or fiction?
  7. “I was playing with a friend shooting off fireworks in the house and I accidentally burned down the house. It’s covered, right?” Fact or fiction?
  8. “I was sending a text message about Brad and Angelina’s new baby when I drove into the back end of a pick up truck. I’m sure it’s covered.” Fact or fiction?
  9. “I just changed to a new insurance company. I should be fine because I made sure my coverage was exactly the same.” Fact or fiction?
  10. Looking at my photo above, “Chris Garlasco is the most handsome man in insurance.” Be careful here, these are free points! Fact or fiction?


Alright, no peaking! If you are finished, here are your answers:

1. Fiction! No two insurance companies are alike and often times, as my grandmother used to say, “You get what you pay for.”

2. Fiction! Even though a policy may be written on a particular company’s paper, the government sells flood insurance. It’s a coverage that is often overlooked, especially if you are not in a flood zone.

3. Fiction. Generally speaking, earthquake is not covered, but many companies will sell it as an “add on” to your homeowner’s policy.

4. Fiction! Insurance is a six month or one year contract. If you don’t need the coverage during that time, the contract expires and a new one is required.

5. Fact! Dog bites are a big liability risk, that’s why many companies are picky about the breed of your dog.

6. Fact! It’s covered.

7. Fact! Unfortunately, there isn’t a “stupidity” clause in the contract.

8. Fact! See number seven.

9. Fiction! See number one.

10. Fact! Of course, but I’m not quite as good looking as Brad and Angelina’s baby!


So, how did you do? If you answered all ten correctly, you may need to get out more often. If you got 6 to 9 correct, you are doing pretty well with your insurance knowledge! If you got 2 to 5 correct, it may be time to call your agent. If you only got one correct, well remember the story about the devil?

Have a great day!

Chris Garlasco

5 Comments leave one →
  1. April 12, 2010 2:55 pm

    Chris, this is great. I especially like the answer for #7 as it applies to all sorts of customers, coverages and situations.

  2. Chris permalink
    April 12, 2010 3:51 pm

    Thanks Pat! One of my other favorite crazy claims was a house that burned to the ground after the owner was burning incense on top of a roll of toilet paper!


  3. Michael Trouillon permalink
    April 12, 2010 4:19 pm

    Good stuff. I once worked with a guy who often stated he wished policies included stupidity clauses. “If what you did was stupid, it is not covered”. I should send this quiz to him.

  4. Cheryl Hirsch Lopriore permalink
    April 20, 2010 10:02 am

    I have a different kind of question for Chris. Did you attend the U of Idaho in 1973-74?

  5. Chris permalink
    April 22, 2010 4:37 pm

    Hi Cheryl;
    Do I look that old? 🙂
    I did not.


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