Take Inventory of Your Valuables

January 3, 2013 at 9:12 AM | Posted in Home, Insurance Policy, Personal Insurance, Personal Property | Leave a comment
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It is a fresh start to a New Year!

One resolution everyone should make, and keep, is to take an inventory of the items in your home after the hustle and bustle of the holidays. If you already have one, make sure you update it with any new items you may have purchased or received.

You can sign up for free inventory software from the Insurance Information Institute at www.knowyourstuff.org.

Don’t forget to advise us of any new items you may want to schedule on your homeowners, condo, or renters policy such as jewelry, golf clubs, musical instruments, etc…

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Tenant Insurance – Protect Your Personal Property

September 26, 2012 at 9:42 AM | Posted in Home, Identity Theft, Insurance Policy, Personal Insurance, Personal Property, Renters, Specialty Policy | Leave a comment
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When you rent, as a tenant your personal possessions are your most valuable assets. Without Tenant’s Insurance your valuables are not covered for repairs or replacement in the event of a loss such as fire or theft. Most people don’t realize that a landlord’s insurance policy does not provide coverage for a tenant’s personal property.

For a minimal premium, a basic Tenant Insurance policy provides the following coverage:

  • Furniture, clothing, appliances, and many other personal items are covered on an actual cash value basis (at the depreciated value).
  • Personal property is covered while you are traveling.
  • Additional living expenses are covered when you have to temporarily relocate during repairs.
  • Necessary improvements to the rental unit may be covered.
  • Personal Liability Coverage provides protection for you and your family against bodily injury or property damage claims brought against you. The company will defend you against all liability suits, even when they are false or groundless.
  • Medical Payments to Others pays non-household members that are unintentionally injured by you, a family member, or a pet on your property.

For an additional premium, there is optional coverage you can add to your Tenant Insurance policy. These include, but are not limited to, the following endorsements:

  • Contents Replacement Cost – allows you to repair or replace most items with no reduction for depreciation.
  • Scheduled Items – provides broader coverage for special property such as jewelry, furs, silverware, fine arts, cameras, guns, and musical instruments, etc.
  • Identity Theft Coverage.
  • Earthquake Coverage.

After a loss, the task of starting over can be devastating. Remember to document your valuables, keeping receipts, photos, or videos in a safe and secure location. By purchasing Tenant Insurance, you can be sure that you are protected – before it’s too late.

Protect Your Classic and Antique Vehicles

June 20, 2012 at 9:14 AM | Posted in Auto, Insurance Policy, Personal Insurance | Leave a comment
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A classic or antique vehicle is more than just a weekend ride, it’s a long-term investment that will continue to appreciate in the future. If your special vehicle is only driven occasionally or for specific events, and is not used for transporting passengers or for business, you may want to consider a Collector Car Insurance Policy.

Why obtain a special policy for these vehicles instead of adding them to your standard auto policy?

  • You save money. The cost of adding these vehicles to your standard auto policy can cost up to 5 times more.
  • You only pay one blanket liability price no matter how many classic vehicles you have.
  • The companies that insure classic cars offer unique coverages that you can’t get on a standard auto policy, including: actual cash value, stated amount, or agreed value. Standard auto policies will only pay actual cash value (depreciated value) at the time of a loss.

Protector Group can insure all your vehicles are properly covered. Call us at 888-850-9400 for additional information.

Protect Your Identity!

May 11, 2011 at 12:43 PM | Posted in Home, Identity Theft | Leave a comment
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We’ve all seen the news reports about computer systems getting “hacked” and personal information being compromised. Unfortunately, there are many more ways your personal information can be stolen: people sifting through your trash, stealing your mail, or obtaining your ATM pin number.

Once thieves steal personal information they use it to withdraw your money, open new credit or bank accounts, take out new loans, or give your name to police during an arrest.

The good news – You can easily protect your personal information by purchasing identity theft protection under your homeowner policy. Coverage varies by company, and can include:

  • Resolution Services – A fraud specialist will guide you through the process of restoring your good name and credit record.
  • Lost Wages – Replaces salary lost due to time taken off from work to deal with the identity theft.
  • Notary and Certified Mail Charges – Covers the cost of processing and delivering fraud affidavits.
  • Loan Fees – Covers the cost to re-apply for loans that were denied due to erroneous credit information caused by the identity theft.
  • Attorney Fees – Pays the cost of defending erroneous suits brought by merchants and collection agencies, removing criminal or civil judgments wrongly entered against you, or for challenging the information in your credit report.

This coverage is very inexpensive. Call us at 1-888-850-9400 to make sure your identity and financial security are protected.

Personal Property…is it covered?

February 18, 2011 at 11:10 AM | Posted in Home | Leave a comment
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While your homeowner’s policy provides excellent coverage, some of your most precious items may have limited coverage.  Valuable items such as diamond rings, silver, and fine arts can take a week’s, month’s or year’s worth of income to purchase, but only a few seconds to be lost due to theft, natural disaster, or other unforeseen events.

A Scheduled Personal Property Endorsement can help.  There are many benefits to this endorsement including:

  • No deductible
  • Coverage provided for mysterious disappearances and breakage
  • Standard homeowner policies cap coverages in these classes

It’s quick and easy to add this endorsement and provides protection for the following types of items:

  • Jewelry – including engagement rings and watches (in and out of the vault)
  • Fine Arts
  • Silverware – including silver plated, gold plated, or pewterware
  • Furs and fur garments
  • Coins – including rare and current
  • Stamps and Stamp Collections
  • Limited Editions – including figurines, books, dolls, plates, antiques, and photographs
  • Hobby Collections – including trading cards, comic books, etc.
  • Musical Instruments
  • Cameras
  • Sports Equipment – i.e. golf clubs
  • Firearms 

If you are not sure what’s worth covering, or how much coverage you need, give us a call at 888-850-9400.  We can help you determine what coverage provides you with the best value.

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