Personal Insurance
The Wright Place Insurance Agency
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10-Second Read: Bundling Home and Auto Insurance
Bundling is when you buy two or more insurance types from the same company
Bundling home and auto insurance is usually one of the better discounts
You may be able to bundle renters, condo, RV, boat, life insurance and other types
Auto insurance coverage is not a one-size-fits-all solution and the specific coverage needed can vary depending on factors such as the value of the vehicle, individual preferences, and state requirements. We believe in tailoring coverage to meet the specific needs of our clients and ensuring they have adequate protection in place.
Home insurance, also commonly called hazard insurance or homeowner’s insurance, is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
It doesn’t matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn’t cover it. Let us give you a quote today!
Does Everyone Have To Buy Insurance?
From jewelry to an accumulated collection of art or related items, it is important to make sure anything valuable you own is covered by an appropriate policy. While it is true homeowners policies can cover some of the replacement or repair costs, there are definitely some circumstances where the homeowners policy may not cover jewelry and other valuable items, or may not provide enough coverage based on value of these items.
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UNDERSTANDING THE BASICS OF INSURANCE
Though insurance may seem a simple concept, it can become complicated when dealing with the fine print of a policy. The declaration page of an insurance policy lists the basic limits of coverage that particular policy caries. People sometimes become frustrated when filing an insurance claim because of the wording on the declaration page, something one of our highly trained insurance agents are happy to explain to all of our clients. Here are a few terms to help with the reading of an insurance policy:
DEDUCTIBLE
The amount of money you will have to pay in a claim to receive the payout. The higher the deductible, the more risk you personally take on and the smaller the monthly or yearly premium.
EXCLUSIONS
Items not covered by the insurance policy. Please be sure to ask many questions about exclusions so there are no surprises when it comes time to file a claim.
SPECIAL LIMITS
Every policy comes with a section that outlines the amounts payable in a claim. Again, it is important to ask about these limits and to have an understanding of what the maximum limits are and if you need a larger policy depending on the value of the assets being covered
WAITING PERIOD
A length of time an individual may have to wait in order to receive their payout. For example, certain types of dental insurance carry waiting periods. In the case of life insurance, there is often a suicide clause which could also cause a waiting period.
ENDORSEMENTS
Endorsements are amendments that can either further or limit the coverage of a policy. Endorsements, sometimes referred to as riders, are legally binding amendments to the insurance contract and can be added mid-term or at renewal.
Ready To Protect Your Lifestyle?
We provide the coverage and protection you need so you can focus on what matters most.
