Do You Have These Three Important Coverages on Your Insurance Policies?

If you own a home you have homeowners insurance, if you own a vehicle you have auto insurance. We all pretty much know the basics of these policies but your Homeowners and Auto Insurance may offer more then you think.

Identity Theft

On the rise, hackers are on the hunt for your information, these criminals can take your credit card, debit card, social security information and more. Once this is done, you will now be spending your time fixing your credit and reputation.

Under your homeowners policy you can report Identity theft and get help. Coverage limits vary, so contact our homeowners insurance agent to find out if you have it or can add it for a small fee and what coverage is best for you.

Off To College

If your child is a college student living on campus in a dorm, your homeowners policy may cover them for any items if there stolen. If your child is still a dependent, the dorm is considered an extension of your home and so the coverage applies. Before your child moves in take pictures and write down the information of that item such as serial numbers, make, model, etc, and keep in a folder. If other valuable items are purchased after they move in be sure to keep pictures of them also in case you need to make a claim. Contact one of our agents today for more information.

Roadside Assistance

Flat tire, run out of fuel or locking your keys in the car, you need roadside assistance and this can be costly. Ask our auto insurance agents what type of roadside assistance is available on an auto policy.

 

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

 

 

 

Photo Courtesy of Tumisu at Pixabay.com

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Why Homeowners Insurance Comes In Handy When You Have Guest Visiting

id-10034403It’s exciting when family or friends you have not seen for a while comes or a visit. You take the care to make sure the house is in tip top shape, all the bathrooms are cleaned, the beds with new linens, carpets and floors vacuumed and mopped and there is plenty of food in the fridge.

Its great to enjoy time with your loved ones. Being a tour guide, a few nights out to dinner and enjoying the visit, but what we do not want to think about is if someone gets hurt in your home or on your property? What if they accidentally cause damage your home?

Your homeowners insurance should cover these situations. Liability insurance covers injuries to visitors, their medical bills and your legal bills if they decide to sue you. Your home structure insurance also covers damages like fire.

If you live in a condo, first check to see if your allowed to have visitors, for how long, if and when they are allowed to use the facilities and how long they can park their car. Your condo insurance may cover any injuries to your guests and damage they may cause to the facilities, the open area like the lobby and your condo itself.

Contact us today with any questions about your home or condo insurance.

 

 

 

Photo courtesy of photostock. at FreeDigitalPhotos.net