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1 year ago · by · Comments Off on 5 Coverage Options Every Policy Holder Should Consider and Why

5 Coverage Options Every Policy Holder Should Consider and Why

When was the last time you evaluated your insurance coverage?

The temptation is to allow the bank and the law to dictate the limits of our insurance when other options may be necessary. While I personally disagree with the practice of many insurance agents known as the “up-sell” which attaches unnecessary coverage and endorsements to policies, I do think there are additional options everyone should consider.

Here are 5 coverage options every policy holder should consider and why:

  1. For auto- Uninsured (also underinsured) Motorist Coverage.  This provided payment when an uninsured or underinsured driver is ruled at fault in an accident in which you are involved. Since there is no insurance (or not enough) this coverage will pay both for your auto damage and medical costs.
  2. For auto- Comprehensive and Collision Coverage. This safeguards your automobile from being disposable. It pays based on the current actual cash value of the automobile and is a wise choice as long as the premium does not cost more than the payout. Most financial institutions require this coverage while there is a loan against the vehicle.
  3. For home- Additional Replacement Cost (usually 125%) In the case of a total loss, this allows additional funds in case the current market cost of rebuilding is greater than expected. With the continual fluctuations in our economy, this is becoming increasingly necessary.
  4. For home- Replacement Cost on Contents Coverage (often called Personal Property Replacement Cost).  This provides funds for new personal property instead of a depreciated estimate of current value.
  5. For business- Tools and Equipment Coverage. The need for this coverage is often seen when something happens to a truck carrying tools or a trailer filled with equipment. While Business Auto and General Liability will cover damage to the other parties involved, without Tools and Equipment Coverage there is no coverage for the damaged or destroyed tools.

This is not an all-inclusive list of necessary coverage by any means, but these are a few things to consider as you look out for your loved ones and your livelihood. Learn more about Other Options by clicking on the insurance tab.

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(706) 403-2999