Automobile, home and liability are the common policies you may have. Personal can also refer to the type of professional service you expect and deserve from your insurance agent. After Hurricane Ida, local residents now have a better idea of how Noah must have felt. Upwards of eight inches or rain fell in about four hours. That created quite a mess with street, home, and yard flooding.
What makes this situation even worse is that most of the people involved did not have flood insurance. Last post, we wrote about the cost of insuring old cars when it comes to the factors that go into repairing an old car if it is damaged. But the collision and other than collision coverage are just part of the premium you pay. The other parts of the policy included liability and uninsured, UM, and underinsured motorist, UIM protection.
What makes this situation even worse is that most of the people involved did not have flood insurance. Last post, we wrote about the cost of insuring old cars when it comes to the factors that go into repairing an old car if it is damaged. But the collision and other than collision coverage are just part of the premium you pay. The other parts of the policy included liability and uninsured, UM, and underinsured motorist, UIM protection.
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This coverage applies to injuries that you, the driver or policyholder, cause to someone else.
It's very important to have enough liability insurance coverage.
If you are involved in a serious accident, it is possible that you may be sued for a large sum of money.
Your liability coverage limits would be available to you to cover those expenses.
You should definitely consider buying more than the state-required minimum to better protect assets such as your home and savings.
We are here to discuss what fits your needs and budget best.
It's very important to have enough liability insurance coverage.
If you are involved in a serious accident, it is possible that you may be sued for a large sum of money.
Your liability coverage limits would be available to you to cover those expenses.
You should definitely consider buying more than the state-required minimum to better protect assets such as your home and savings.
We are here to discuss what fits your needs and budget best.
Looking for a homeowners quote?
Fill out our online form or contact us!
We can also coordinate your entire insurance portfolio to include your auto, liability umbrella, and other property.
This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disaster listed in your policy.
It will not pay for damage caused by a flood, earthquake, or routine wear and tear.
When purchasing coverage for the structure of your home, it is important to buy enough to rebuild your home.
Fill out our online form or contact us!
We can also coordinate your entire insurance portfolio to include your auto, liability umbrella, and other property.
This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disaster listed in your policy.
It will not pay for damage caused by a flood, earthquake, or routine wear and tear.
When purchasing coverage for the structure of your home, it is important to buy enough to rebuild your home.
The major causes of loss are fire and theft.
Important considerations include the type of building construction, the location of the building, and the number of tenants.
Security of the building is important as is the security to the insured's particular unit.
Contents Coverage depends on the value of contents (furniture and appliances) as well as personal property such as jewelry, furs, fine arts, electronics, and other items.
An inventory and picture record is important to document the existence and aid in recovery.
Important considerations include the type of building construction, the location of the building, and the number of tenants.
Security of the building is important as is the security to the insured's particular unit.
Contents Coverage depends on the value of contents (furniture and appliances) as well as personal property such as jewelry, furs, fine arts, electronics, and other items.
An inventory and picture record is important to document the existence and aid in recovery.
Condominium or cooperative unit owners only own the inside of their units.
The outside of their units are owned by the condominium association or the cooperative.
All insurance-related issues must be evaluated based on the condominium or cooperative bylaws.
The bylaws define ownership, and this determines the required amount of property insurance.
It also determines the unit-owner's liability exposure.
Your furniture, clothes, sports equipment, and other personal items are covered if they are stolen or destroyed by fire, hurricane, or other insured disaster.
The outside of their units are owned by the condominium association or the cooperative.
All insurance-related issues must be evaluated based on the condominium or cooperative bylaws.
The bylaws define ownership, and this determines the required amount of property insurance.
It also determines the unit-owner's liability exposure.
Your furniture, clothes, sports equipment, and other personal items are covered if they are stolen or destroyed by fire, hurricane, or other insured disaster.
Umbrellas are designed to be carried over a person's primary liability coverage.
A person's primary coverage is typically part of his or her personal automobile and homeowner's coverage.
Primary refers to the fact that in the event of a loss, the liability portion of your auto or homeowner coverage is the first to respond.
Umbrellas or excess liability policies respond to an eligible loss only after the primary insurance has paid its limit.
It's quite possible that your primary insurance limits provide more coverage than you'll ever need.
A person's primary coverage is typically part of his or her personal automobile and homeowner's coverage.
Primary refers to the fact that in the event of a loss, the liability portion of your auto or homeowner coverage is the first to respond.
Umbrellas or excess liability policies respond to an eligible loss only after the primary insurance has paid its limit.
It's quite possible that your primary insurance limits provide more coverage than you'll ever need.
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