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What You Don’t Know About Insurance Claims that CAN Hurt You
It’s the 800 pound gorilla sitting in the corner that we don’t want to talk about. INSURANCE. This topic sits at or near the top of the list of things that we don’t like to talk about. Not only do we not like to talk about it, we certainly don’t take the time to read all of the literature that we get once we buy insurance and we certainly don’t read the actual policy itself.
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Now back to the gorilla. You just had your (insert valuable belonging here) stolen while you were out of the house. Now what? You call your insurance company to file a claim. The first thing you will be asked to provide is a police report and a receipt or proof of purchase.
You submit the requested information to the insurance company’s claims department. The police report reflects that the theft took place while you were away from the house. Why is this important? Back to the gorilla (that insurance policy that you didn’t read). Somewhere in all of those pages was language that states that as soon as your personal property leaves the “premises”, your coverage does NOT go with it. CLAIM DENIED!!!
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The remedy is what’s called an “Inland Marine Floater Policy”. Wait, a what??? Yes, that’s what it’s called. This type policy covers your property wherever it goes and in most cases it will provide coverage worldwide. This type of policy became known as a “floater” since the property to which coverage was originally extended was essentially “floating.” The coverage has grown to include property involves an element of transportation.
If only there were a way to get this type of coverage without having to jump through hoops and spend hours seeking quotes and getting bombarded by insurance agents and robo-calls. Well, now there is! The team of experts at Insurious have tamed the gorilla and have a “Seriously Easy” process in place to obtain insurance that covers all of those risks that your homeowners and renters policy does not. Visit www.insurious.us and get a quote in seven mins or less!
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