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The hidden benefits of Renters Insurance

Posted on September 16, 2014 in insurance 101, Uncategorized - 0 comments -

For RentersFor some, insurance is required.  Whether your state requires you to carry auto insurance, like Wisconsin, or your landlord requires you to have renters insurance in your lease it may seem like just a hassle.  You may even think that your landlord carries fire insurance for you but if the unthinkable happens you may be let down.

Common Coverages in a Renters Insurance Policy

Unlike a landlord’s policy YOUR renters policy covers your personal belongings in the case of a loss.  If your possessions are stolen during a break-in or damaged by a fire or severe weather your renters insurance policy can help you recover their value.  Your renters policy also covers your liability in the event someone is hurt in your home and you are found liable for their injury.  Another coverage that is more common in Wisconsin and other Northern states is frozen pipes.  Sometimes pipes are located in a non heated area.  If water suddenly finds itself in your apartment or rented home you may be a phone call away from getting them replaced for their replacement value.

Common Myths about Renters Insurance

You may think it is just another extra expense but a renters insurance policy can be taken out for 10-20 dollars per month on average.  You may think you don’t own very much but if you sit down and really itemize what you own including your clothes, appliances and furniture you may be surprised how high that number gets.

The Hidden Benefits of Renters Insurance

You see all the ads talking about bundling right?  Chances are if you bundle your Auto Insurance with your Renters Insurance this discount alone may pay for the Renters Insurance Premium. You also hear about Identity Theft all the times these days. You may even know someone who had their identity stolen. In many cases you could add ID Theft coverage on your Renters Insurance policy.  Give your agent or us a call and we can give you a quote in less than 5 minutes.  You’ll be glad you did.

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Identity Theft Coverage can be bundled

Posted on August 11, 2014 in insurance 101, Uncategorized - 0 comments -

Identity Theft Coverage can be Bundled

With the latest revelation by Hold Security that a Russian Hacker ring has stolen over a billion user names and passwords there is no better time to look into identity theft protection.  Most folks think you need to purchase a stand-alone policy for ID Theft protection.  It may surprise you to know that you can add this coverage on to your home policy and in some cases even your auto policy.

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While Wisconsin is still low on the list of ID Theft complaints when compared to the country (50 complaints per 100,000) these hacker rings know no geography.  If you’re putting your credit card credentials onto the internet your exposure is much higher. Be prepared with adequate protection.  Wisconsin consumers have past the point of ignoring the internet.  We purchase christmas presents online and we participate in Cyber-Monday online sales events.  Just like the best way to avoid an auto accident is to “not drive” a vehicle, which isn’t usually a viable option, we purchase auto insurance to protect us on the road.  You can now add ID Theft coverage to your home policy – and in some cases your auto policy!

These coverages include signing you up for fraud monitoring through a service like Equifax to activly helping you through the ordeal of getting your Identity back.  Companies like Allied helps Wisconsinites protect themselves through your homeowners policy.  It pays up to $25,000 (with no deductible) to cover certain expenses you incur while returning your identity to normal, including lost income, attorney fees, and more.

Give us a call today to get this important coverage added to your home policy!

If you believe you’ve been scammed, file your complaint at ftc.gov, then follow the instructions at the FTC’s Identity Theft Website at consumer.gov/idtheft

 

 

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