Custom policies to protect what is most important to you
In today’s fast paced world we always seem to be short on two things—time and money. For many of us, insurance is one of those things we try to get checked off our “to do” list as quickly (and inexpensively) as possible. Rarely do we spend as much time as we should understanding what a policy covers, or what the true impact will be if you have to file a claim. The results of this approach can be catastrophic.
Knowing what risks you face, and clearly understanding how insurance can protect you from financial loss is critical to protecting your fiscal future. After a serious discussion about your situation and needs, we will advise on the proper coverage to protect the things most important to you.
And be cautious of online insurance companies that promote cheap coverage and you never talk to a licensed agent. While you may save a few dollars, there is no way to make sure you get the proper coverage. Portals that are easier/faster/cheaper are great for some things—like buying a pizza.
Insurance for Families and Individuals
- A house that you own and live in (a homeowner’s policy)—this may be your primary residence, or possibly a vacation home
- A house that you own, that someone else occupies (a dwelling fire policy)—sometimes also called a landlord policy
It is important to have the right policy for your situation. A homeowner’s policy is not the right policy if you rent your house to someone else. Good policies cover you for wind and hail, for various kinds of water damage, and for fire—these together are the three most common reasons to file a claim. Does your policy cover you for all of these things?
- Pay to fix your car if the other party hits you is uninsured. This happens a LOT more often than you might think—and the cost for this coverage is very reasonable.
- Pay for the other party’s expensive car and/or injuries
Bad things can happen to good people. Take the time to make sure your insurance will protect you in the event of a major mishap!