$10 doesn’t quite go as far as it once did. It can go surprisingly far to make sure that you have the proper insurance coverages. We wanted to put a list together of 5-coverage
enhancements that will cost you less than $10 per month!
Personal Umbrella Policy- There is no better bang for your buck than a personal umbrella policy. Like an umbrella, an “umbrella policy” protects over your underlying coverages such as home and auto. If you had a loss that exceeded the coverage of your home or auto liability your umbrella would kick in. Umbrella coverages start at $1,000,000 and up to $10,000,000 in coverage is available. With new multi-policy discounts most customers can add an umbrella policy for much less than $10/month.
Enhanced Home Policy- All of our companies now offer multiple levels of coverage options. Benefits include personal property coverage for breakage, increased policy limits, identity theft protection and increased valuable items coverage. The cost? Less than $10/month.
Scheduled Valuable Items Coverage- Valuable items like jewelry, firearms, and silverware have limited coverage. You can purchase coverage for $5,000 in valuable items for less than$10/month.
Identity Theft Protection Coverage- Your insurance policy is the best way to purchase Identity Theft Protection. Travelers and Kemper have both recently increased the coverages for their Identity Theft Protection. The increased coverage better protects you if you should become a victim of Identity Theft. In addition to coverage the policies also help you to recover and repair your Identity.
Repair/Replace Coverage- Available for newly purchased vehicles “repair/replace” coverage will replace your vehicle if you are involved in a collision. If the vehicle cannot be safely repaired your vehicle will be replaced with a brand new model year. For example if you have a 2009 model year vehicle and it is “totalled” in an accident in 2011, you will get a brand new 2011 model year vehicle. Cost varies between vehicles but it is less than $10/month.
There are lots of great ways to get valuable coverage without spending a lot of money. By taking advantage of multi-policy discounts many coverages cost much less than you would think.
Want to talk to us about other ideas? 661-327-5531 in California or 208-366-8366 in Idaho. You can email us at firstname.lastname@example.org.