HOW TO FIND THE BEST INSURANCE AGENCY. While you might think your traditional insurance will cover everything, you might be surprised to find out where traditional homeowner’s, rental, medical, and car coverage fall short. When you need coverage, you should look to your insurance agency to find the right policy. You might not be aware of some of the policies available to you. While the homeowner’s liability may cover the medical costs, there can be complications, such as when incidents happen away from home.


Different Types of Coverage

If you have a dog, you might want to purchase a dog bite or “pet liability” plan. While you might think that your four-legged friend would never harm anyone, there is always a chance that it could happen. You may have to get these supplemental offerings from other agents. If you should determine that you need any of these supplemental options, you should check with your insurance agent to determine whether they offer the coverage in question.  Having a specific dog bite policy will handle any unforeseen problems.

Those who live in coastal areas will want to get flood insurance. This protects your belongings from damage due to floods. While not all short-term disability programs are the same, it is something you should check into to ensure that you don’t fall behind on your bills.   That is why it is important to purchase these policies separately.

If you have valuable items like jewelry or high-end electronics, then you want to have supplemental coverage. While your homeowner’s plan does cover some items in the event of fire or theft, it does not cover everything.  According to the Insurance Information Institute, half of all incidents happen on the owner’s property. Not all underwriters offer these policies.  You need to research and understand the different types of coverage available to you.

Burial coverage gives your surviving family members money to pay the cost of your funeral and burial. The cost is nominal, totaling only a few dollars a week or month. If you are unsure, an insurance agency can assist you in finding the information you require. You will either have to go to a broker or purchase from a funeral home.

These programs offer the repair or replacement of electronics such as computers, stereos, and televisions. Personal electronic equipment policies give you more protection than the standard homeowner’s plan. This policy is not often sold through a traditional insurance agency. What most homeowners don’t realize is that traditional homeowners’ plans do not cover this damage. A traditional plan does not cover damage caused by installation errors.

Some businesses offer their full-time employees short-term disabilities. Medical plans will help cover bills from doctors and hospitals, but they will not help cover normal monthly bills that can pile up if you have to miss work.  However, if your company is not one of those groups, you should look into having a short-term disability added.

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