Don’t Be An April Fool – Know What Your Insurance Covers
It’s all fun and games until someone gets hurt – especially in the pocketbook!
One of the last things that you want to hear from an insurance company is that your claim has been denied, especially if you are not in a position to pay for damage caused to your home or your car. This is why it is so important that you fully understand what your insurance covers – And even more importantly, what your insurance coverage does not cover.
Never make assumptions about your coverage
The truth is that most people breeze over the paperwork and never get around to reading the details of their insurance policy – Who reads the fine print, right? - Well, you should, every time you renew your home and auto insurance policy.
It is also important that you understand the terminology that is used in your policy. If you are not clear on the meaning of terms like no-fault insurance, deductible, liability insurance, and comprehensive coverage are, it’s time to get out your policy and do some reading. The more you understand, the better decision you will be able to make when it comes time to renew your policy.
Never make assumptions about your coverage. If you are not sure about a policy or need clarification, call your insurance broker to get an answer – Don’t leave it to chance because it could come back to bite you.
Don’t be a travel insurance fool either
Travel insurance is often gets overlooked and has many people wishing they had purchased it, especially when something goes wrong on their trip. Travel insurance is one of the best forms of protection you can have when travelling. It helps you in so many different ways – medical emergencies, travel delays, trip cancelations, lost luggage, not to mention emergency evacuation. Don’t get caught without travel insurance the next time you travel or you could have to pay for expenses out of pocket.
How to avoid being an April Fool when it comes to insurance
- Read through your insurance policy before renewing
- Know what you are and are not covered for in your policy
- If you need to make a claim, make sure you follow all steps and fill out paperwork correctly to avoid delays in processing your claim
- Ask for clarification if there is anything in your policy that you are not clear about
- Get travel insurance when taking a trip
This is the part where we ask you to get a quote!
We wouldn’t be doing our job if we didn’t ask you to visit the HUB Insurance Hunter website to get a quote for home, auto, or travel insurance, now would we. It’s really simple – You can get 3 quotes in 3 minutes! No seriously, that is how quick our insurance hunters work.