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Tuesday, 12 February 2013

Personal Insurance

You may have more valuable possessions than you realize. Your Homeowners Policy can provide some coverage, but with deductibles and limitations. A Personal Articles Policy can provide the additional coverage that you may need.

Personal Articles Policy

Some items the Personal Articles Policy may cover are:

  • Jewelry
  • Furs
  • Cameras
  • Musical Instruments
  • Silverware/Goldware
  • Golf Equipment
  • Fine Art (such as oriental rugs and paintings)
  • Collectibles
  • Sports Equipment
  • Computer Equipment

Personal Liability Umbrella Policy

Judgments amounting to thousands or even millions are being awarded by juries across the country in ever-increasing numbers. If you accidentally injure someone or damage their property, you could be the one being sued. Even though your underlying policies may provide substantial liability limits, it is not uncommon today for juries to award damages that exceed those limits.
Coverage amounts are written in increments of $1 million and supplement your present policies to provide additional personal liability protection.

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