Home Page
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Quote Form (short)
      • CLASSIC CARS
    • Farm
    • Homeowners
    • Motorcycle
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Free Reports
    • Insurance Glossary
  • About Us
    • About RAM Insurance Services
    • Location Map
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > How To get The Right Insurance
TUESDAY, FEBRUARY 21, 2023

How To get The Right Insurance

insuranceAuto And Home Insurance Update

It does not matter if you own a home or rent, there are certain risks that we all think about on a regular basis. These risks, if not properly addressed, can impact you and your family’s financial security.  Your home insurance and auto insurance may need to be updated after you read this article.  We interviewed a number of families to determine which risk concerns kept them up at night.  Here are the results.

Personal Insurance Risks

1.       Auto accidents.  Most people are concerned that they may not have enough auto liability insurance coverage if they are involved in an auto accident.  People are also concerned about being in an accident with an uninsured driver.  These concerns can be solved by increasing your auto liability limits, and having uninsured motorized coverage.

2.       Identity theft.  Did you know that your identity can be stolen through your medical provider, your job, auto mechanic, or even church?  Anyone who holds your personal information can have a cyber breach which can compromise your identity.   Identity theft coverage can be added to your homeowner’s insurance.

3.       Home based businesses are not covered under your personal insurance. Even if you don’t have customers come to your home, you may need a business policy. 

4.       Uber.  Many people either have used Uber or are considering becoming an Uber driver.  Some people are concerned about Uber drivers having enough auto insurance if they are in an accident.

5.       Weather related and natural disasters are common place in most of the region.  Many people fear that a flood, windstorm, or other event will be un-insured.  While many risks such as rain, snow, and wind damage may be covered under your homeowner’s policy, other risks like floods and earthquakes are not included and will require special coverage.  If you own a home in a coastal community, you also may need special hurricane or wind coverage.

 

 

Posted 6:50 PM

Tags: insurance, home insurance, business insurance, auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019

  • auto insurance(19)
  • business insurance(14)
  • insurance(13)
  • home insurance(13)
  • personal insurance(6)
  • commercial insurance(5)
  • rental cars insurance(3)
  • auto(3)
  • home insurance price(2)
  • home(2)
  • farm and ranch insurance(2)
  • springtown(2)
  • fun(1)
  • homeowners(1)
  • life(1)
  • wholesome(1)
  • ram(1)
  • umbrella insurance(1)
  • price(1)
  • business(1)
  • equine(1)
  • farmowners(1)
  • umbrella(1)
  • farm(1)
  • home insruance(1)
  • car(1)
  • holiday safety(1)
  • cyber risk(1)

View Mobile Version