When summer arrives, many people leave the day-to-day routine behind and go on vacation in June. Hopefully you're planning a trip sometime soon too!
But what do you need to know before you hit the road? Consider
these special situations:
Rental Cars - If you choose to rent a car, make sure you
understand how your insurance works. A rental car company will want to sell you
special coverage to cover the car while you are driving it. The insurance will
cost you a certain amount extra each day. But did you know that your current
insurance will typically also cover you at no additional cost?
However, if you have a claim filed on your current policy,
your rates could go up in the future.
And rental car companies could file a claim for very minor damage.
Obviously it is a risk either way, but make sure you know
your options. And please contact us BEFORE renting a car to find out what is
specifically covered on your policy.
Hosting A Barbecue - It's always fun to throw a summer barbecue.
It's even more fun when you aren't worried about your insurance! Your
homeowners and renters insurance covers you if someone is injured on your
property due to your negligence. That means that if they trip on a step, fall on
the patio, or cut their hand on a glass, you don't have to worry.
But, as always, you need to discuss this with your agent and
go over exactly what coverage you have. If you have a lot of assets, then you
might need additional liability coverage too.
Notice a pattern here? The general rule is that you need a
personal insurance agent who is looking out for your particular needs! There is
not a "one size fits all" approach when it comes to protecting your
family and your belongings. Take just 5
minutes to give us a call today to discuss your policy!
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