So you have insurance?
Every little detail holds significance, and it holds significance PRIOR to the pivotal moment, never afterward.
What is your out-of-pocket expense if ________ happens?
Be confident in your risk management setup, not just hopeful or blind.
Cheap
Bare minimum coverages
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If someone else requires medical surgery, chances are high that you will be the one paying for it.
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If your home were to be damaged beyond repair, the amount covered by your insurance policy may not be enough to rebuild it. Additionally, without any endorsements, you could potentially be left without coverage when filing a claim.
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The price is perhaps fantastic...however, the coverage is disappointingly thin.
Good
Average insurance coverages
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The liability limits strike a good medium, neither too low nor too high, ensuring that you are adequately protected in the event of a smaller claim.
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Your home is adequately insured for its rebuilding cost, but it may be missing vital endorsements that could protect you in critical situations.
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When you compare prices with other carriers, you'll find that yours stacks up nicely with the other competitors.
Real Risk Management
Robust insurance coverages
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You have an umbrella policy significantly boosting the liability protection for your home and auto limits.
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Your home is insured to the highest degree, keeping up with the current expenses of construction. The policy also includes additional coverages to provide you with the utmost protection.
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With the right carrier, the price offered can be on par or better than the competition. Consider this: would you rather comfortably pay an additional $300 in premium or face the daunting prospect of a $300K settlement out of pocket?
