Anchor Marine Underwriters
Home and Auto Insurance Comparisons
It’s easy to spot the differences between an economy car or home and a luxury one. When it comes to insuring our homes and cars, the differences between low and high quality policies are not as clear. There is always a less expensive auto insurer available on-line. The difference is that you do not have an agent. An agent gives you guidance on what kind of coverage you need and areas where you should pay more and other areas you may consider saving. Also, higher value cars need a higher value policy. Why insure a brand new Mercedes with a policy meant for an economy car? Anchor Marine has policies available that provide replacement cost coverage (new for old) and no set rental car limits. Luxury car owners often find out the hard way that their standard company will not pay for the best repair of their luxury car and my end up with some of the bill. Do you own an economy car? This does not mean that you need any less service or liability. Do not settle for service from an 800 number.
Homeowner’s policies are not as standardized as auto policies and it often takes an agent to point out the differences. Many simply do not have their homes insured for the full cost to rebuild. Experiencing a loss is difficult enough. You do not want to find out after a loss that you really do not have enough insurance coverage to rebuild your home. Unfortunately, this has been the case in the recent California and Colorado fires.
Lack of coverage for Personal Injury is another area where many lack coverage. This is included in some policies and can easily be added to others. This is especially important when it comes to social media. There are many other difference between policies. Do you know if you have water/sewer back-up or what percentage over your replacement cost you are insured for? If your policy has been in place for more many years, chances are that you do not have all the coverages that you need.
Do you have low deductibles? This may sound like a good but may be costing you money. This is especially true on homeowners policies where you want to make claims carefully.
FIND OUT HOW TO MAKE BETTER USE OF YOUR INSURANCE DOLLAR.
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