subject: Extra Insurance Protection Is Always A Smart Thing To Carry [print this page] So you made sure you've covered all bases with your insurance. You know you have policies to cover your house, your car, and your life. You even have the policy in the best possible health insurance at work with dental and vision and disability insurance for the short and long term.
You can feel safe and I think you have all the coverage you need to protect your home and your family but you may want to consider adding an umbrella policy for to you insurance checklist. Such a policy acts like a blanket that offers additional coverage in the event that you be prosecuted for something that perhaps has nothing to do with your home.
For example, if you own a home and someone gets hurt on your property they can turn around and sue and if the injury is bad enough for the person, if he wins the case, he may be able to take your home. The same applies to a car accident, if you are deemed at fault you could wind up with liability and if you can't afford to pay the judgment that is against you they may be able to take your home.
All in all you will probably find that a policy like this is a good thing to have and is an especially good idea if you have other family members living with you as well. Your adult children that are living with you and even your older teens can get into accidents and cause injuries and while they have little to do with you and your level of liability if they reside with you then you may be held accountable and this could leave your personal property up for grabs.
A comprehensive policy is something that everyone should have simply because it provides additional insurance coverage for your primary residence, which for most people is their greatest personal asset and something that would be quite catastrophic for lose. Those who have young drivers in the house and own their home should definitely invest in a comprehensive policy. And if you are unsure whether a policy framework is worth while investment for you and your situation be sure to contact your insurance agent and would be happy to explain this type policy for you in more detail.
by: Ethan Kalvin
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