Eric recommended that we get our AARP card in order to take advantage of their disappearing deductible offer.
He also recommends that on home insurance side itsto save big money by checking out the smaller independent carriers. He said that, in general, home insurance policies can be very weak with lots of exclusions, lots of pages with things having vermin excluded. Then, of course, rats ate your wires ad that resulted in an attic fire which is then not covered not covered. Instead he recommends and “all peril” policy that means that every thing included.
So the lesson is to review your Home Owner’s Insurance for named perils only so that you know what you don’t have coverage for. Eric suggest that you have water backup coverage because cities not maintaining sewer pipes, its offered in policies ranging from $5,000.00 to $100,000 in coverage. Some of the larger carriers, like Farmers, are offering this insurance as well.
Eric noted that ID theft is the fastest growing crime in the world and he now offers a ID theft protection and recovery service.
Next Eric talked about how Personal Injury insurance can help if say a runner runs into person, then that runner is covered and if you have teenagers in your home then even Facebook bullying can be covered by the proper Personal Injury insurance.
The bottom line is to know your coverages, know your exclusions and if you need help in reviewing your current property and casualty insurance situation give Eric Evans a call.