When most people think about insurance, they think home and auto insurance, and for the most part, they think that’s all the coverage that is needed. But insurance coverage goes beyond your home and auto insurance policy. There are several types of insurance you need that you may not know about, and they are just as critical to have as the insurance you do know about. Let’s examine a few and see how they may benefit you.
Off-road vehicle insurance for your grown up land toys.
If you assume your off-road vehicle is already covered by your existing homeowners or car insurance policies, you’re in for a big surprise. Many homeowners policies exclude ATVs, UTV’s, dirt bikes, and the like, so you could be out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide.
Watercraft insurance for your grown up water toys.
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. Getting out on the water should be carefree, but owning and running a boat brings several financial risks. Watercraft insurance means you can stop worrying about those risks and get back to relaxing on your boat.
RV insurance for your home on wheels.
At first glance you might think covering a recreational vehicle (or RV) is just like getting ordinary auto insurance, but the freedom of the motorhome lifestyle brings a few extra potential headaches that make this specialized policy worthwhile. Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road – that’s where RV insurance comes into play.
Valuable possessions insurance for your bling.
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. Most homeowners insurance or renters insurance policies have a limit on how much they will pay for any single item. While this is fine for most possessions, it can mean you won’t get the full amount for expensive items such as jewelry or artwork. That’s where valuable possessions insurance comes in.
Pet insurance for your best friend.
Your pets are a part of your family, but they can’t take advantage of your health insurance when ill or for a routine well-visit. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses, and other medical needs.
Travel insurance for the explorer in you.
Traveling is exciting, but there are risks associated with every trip. Whether for work or pleasure, reducing stress always improves the travel experience. Investing in a travel insurance policy can help put your mind at ease so you can relax and enjoy the journey, no matter where you’re headed.
Identity theft insurance for your good name.
Identity theft is a real concern. Whether it occurs through a data breach, a lost wallet, stolen mail, or any number of possible causes, the ramifications can be devastating. Identity theft protection services and identity theft insurance can help shield you from significant losses.
Special event insurance for your important event.
Whether you are planning on hosting an event at a venue or at your own home, accidents can happen and turn your day upside down. Large or small, any event you host requires a lot of planning and preparation. Including getting special event insurance on your to-do list is one way to protect your festivities and secure coverage for the potential risks you may face.
Although we mentioned a lot of additional insurance coverages here, this is by no means a complete list. To ensure you, your family, and your lifestyle are fully protected, speak to a licensed insurance agent. Life happens fast, and the truth is there’s nothing as valuable as peace of mind. A licensed insurance agent can protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.