Talking With Insurance Companies

Most people today typically have auto and either home or renter's insurance. But while these two policies cover the essentials, there may be reason to consider additional coverage. Here are three reasons why you might want to reach out to personal insurance agents in your community today.

Insurance for Specific Valuables

While your homeowner's insurance policy will likely cover most of the things in your home, you might run into trouble if you own something that is so valuable that it would cause you to run up against your home insurance's max payout amount. For example, an extremely valuable piece of artwork that is valued at six or seven figures should probably have it's own insurance policy. This will give you peace of mind that everything inside your home is truly covered, no matter how valuable it is.

Insurance for Your Ability to Perform a Unique Profession

Have you ever turned on the news and heard about a celebrity insuring a body part? Perhaps a singer insuring their vocal cords or an athlete insuring their legs? While it's not super common, it may be possible for you to get your own insurance policy for a specific body part if it's what you use to get your job done every day. You may not be an athlete, but if you are a wine taster or a chef, you are certainly going to need use of your nose and/or mouth. Someone who builds intricate craft goods could insure their hands, and so on.

Insurance That Offers Further Liability Coverage

While home and auto policies are built to protect your property, they may not offer as much as you would like when it comes to personal liability. If you hit someone with your car or destroy someone else's property, you are likely going to get sued. Your auto insurance policy might help you a bit in this situation but it likely won't offer millions in coverage. Carrying an additional personal liability policy can give you peace of mind from knowing that you won't have to file for bankruptcy if something goes terribly wrong.

Home and auto insurance policies are worthwhile but may not cover everything that you truly need to feel safe and secure in your daily life. Talk to a personal insurance agent today about obtaining additional coverage for a specific valuable, a specific body part or if you just want to protect yourself with more liability coverage than you currently have.