Three Insurance Coverages For December

These coverages will also benefit you throughout the year

As we are in the height of the Holiday season, and winter has arrived, we thought it might be good to review three specific personal insurance coverage’s  which you may need for the month of December.  You will need these personal insurance coverage’s all year around, but claims tend to increase in the winter months.

Personal Umbrella Insurance. Umbrella Insurance provides extra protection, or limits, above the liability insurance (home and auto) you currently have.  Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim.  Your risks increase in the winter due to harsher weather, which can cause more serious auto accidents.  You probably also host holiday parties where your guests may be injured.

Flood. Flood insurance is not covered under your homeowner’s insurance. The winter months are a prime time for flooding caused by rain and snow. Melting snow in the spring is another time when your flood risk increases.

Jewelry. A majority of high end gifts such as jewelry, guns, art, and other collectables are purchased during the Holiday season. These items are not automatically covered under your homeowner’s insurance.  Most homeowner’s insurance policies have limitations of around $1,200 per item (these may vary, so review your policy).  A “floater” endorsement can be added which provides coverage, including theft, for your collections or other high end property.

We are an independent agency, and we understand the unique needs of our North Texas customers.  We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Whether you have the ideal history that preferred companies desire, or a not so perfect history, we find the right coverage with the best company, at the best rate for you. Make changes to your policy directly from our website twenty-four hours a day, seven days a week. Use any of our convenient forms located at the left for policy service directly from your home or office.  As an independent insurance agent, we can offer the right coverages with the personal touch you expect from your neighborhood insurance agent.

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