Insurance Made Easy: 🚗 🏠 How Bundling Home and Auto Policies Can Simplify Your Life!

Insurance Made Easy: How Bundling Home and Auto Policies Can Simplify Your Life!

Shield Insurance Blog | Bundling | Contact Us | Start A Quote Today!

Are you tired of juggling multiple insurance policies and dealing with different insurance carriers? Do you wish there was an easier way to manage your insurance needs? Look no further! In this blog post, we will discuss the benefits of combining your home and auto insurance policies and how it can simplify your life. Read on to find out how you can save time, money, and stress by bundling your insurance coverage.

The Basics of Auto Insurance

Let’s start with the basics. Auto insurance is a type of coverage that protects you financially in case of an accident or damage to your vehicle. It is a legal requirement in most states and provides financial protection for both you and other drivers on the road. Auto insurance typically includes liability coverage, which pays for damages to other vehicles or property, as well as collision and comprehensive coverage, which cover damages to your own vehicle.

The Importance of Home Insurance

Now let’s talk about home insurance. Your home is one of your most valuable assets, and it’s crucial to protect it with the right insurance coverage. Home insurance provides financial protection in case of damage to your home or belongings due to fire, theft, natural disasters, or other covered events. It also includes liability coverage, which protects you if someone gets injured on your property.

The Benefits of Bundling

Now that we understand the basics of auto and home insurance, let’s explore the benefits of bundling these policies. When you combine your home and auto insurance with the same carrier, you can enjoy several advantages:

Convenience: Managing one policy is much easier than dealing with multiple policies from different carriers. You only need to remember one renewal date, make one payment, and communicate with one insurance agent.

Cost Savings: Bundling your insurance policies can lead to significant cost savings. Insurance carriers often offer discounts for bundling, which can result in lower premiums for both your home and auto insurance.

Enhanced Coverage: Bundling your policies can also provide enhanced coverage. Some insurance carriers offer additional benefits or higher coverage limits when you combine your policies.

Streamlined Claims Process: In case of an accident or damage to your home, having both policies with the same carrier can simplify the claims process. You only need to contact one insurance company, and they will handle both claims efficiently.

Factors to Consider when Bundling

While bundling your home and auto insurance can be beneficial, there are a few factors to consider before making a decision:

Insurance Carrier: Not all insurance carriers offer bundling options. It’s essential to choose an insurance carrier that provides both home and auto insurance and offers bundling discounts.

Insurance Comparison: Before bundling, it’s crucial to compare quotes from different insurance carriers to ensure you are getting the best coverage and price. Shield Insurance Agency represents over 45 insurance companies and can help you find the best options for your needs.

Insurance Discounts: In addition to bundling discounts, insurance carriers offer various other discounts that can further reduce your premiums. These discounts may include safe driver discounts, multi-vehicle discounts, or discounts for installing safety devices in your home.

Insurance Savings: Bundling your home and auto insurance can lead to significant savings. According to a study by the Insurance Information Institute, bundling can save you up to 25% on your premiums.

Making the Decision

Now that you have considered the benefits and factors, it’s time to make a decision. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Their experienced agents can guide you through the insurance decision-making process and help you find the best coverage options at the most competitive prices.

In conclusion, combining your home and auto insurance policies can simplify your life in many ways. It offers convenience, cost savings, enhanced coverage, and a streamlined claims process. However, it’s essential to consider factors such as the insurance carrier, comparison shopping, and available discounts before making a decision. Shield Insurance Agency can assist you in finding the best options for your insurance needs. Don’t wait any longer – start simplifying your life today by bundling your home and auto insurance!


More Blogs by Shield Insurance Agency

Read More
Replacement Cost or Actual Cash Value

Don’t Make a Mistake: Replacement Cost or Actual Cash Value Property Insurance – Which is Right for You?”

Shield Insurance Agency Blog | Property Insurance | Homeowners Insurance | Start A Quote Today

When it comes to protecting your property, having the right insurance coverage is crucial. One of the decisions you’ll need to make is whether to have replacement cost or actual cash value property insurance. Both options have their pros and cons, so it’s important to understand the differences and choose the one that best suits your needs. In this blog post, we’ll explore the benefits and drawbacks of each type of insurance coverage and help you make an informed decision.

Actual Cash Value: Understanding the Basics of Property Insurance

Actual cash value (ACV) is a type of property insurance coverage that takes into account depreciation when determining the value of your property. In the event of a covered loss, the insurance company will pay you the current market value of your property, minus depreciation. This means that if your property is older or has depreciated in value, you may receive less compensation than what it would cost to replace or repair it.

Replacement Cost: The Full Value of Your Property

Replacement cost coverage, on the other hand, provides you with the full value of your property at the time of loss, without deducting for depreciation. This means that if your property is damaged or destroyed, the insurance company will pay the cost to replace or repair it, up to the policy limit. Replacement cost coverage typically comes with higher premiums compared to actual cash value coverage, but it offers greater protection and peace of mind.

Property Insurance Comparison: Which Option is Right for You?

When deciding between actual cash value and replacement cost coverage, it’s important to consider your specific needs and circumstances. If you have older property or items that have depreciated significantly in value, actual cash value coverage may be sufficient. However, if you have newer property or items that would be costly to replace, replacement cost coverage is likely the better option.

The Benefits of Replacement Cost Coverage

One of the main benefits of replacement cost coverage is that it provides you with the funds necessary to replace or repair your property without incurring significant out-of-pocket expenses. This can be especially important if you have valuable items or if your property is located in an area prone to natural disasters. Additionally, replacement cost coverage can help you maintain the value of your property and ensure that you can rebuild or replace it to its pre-loss condition.

Contact Shield Insurance Agency for a Free Quote

Choosing the right insurance coverage for your property is a decision that should not be taken lightly. It’s important to carefully consider your options and weigh the benefits and drawbacks of each type of coverage. Shield Insurance Agency represents over 45 insurance companies and can help you navigate the complex world of insurance coverage options. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, whether you choose actual cash value or replacement cost property insurance depends on your specific needs and circumstances. While actual cash value coverage may be more affordable, replacement cost coverage offers greater protection and peace of mind. Consider the value of your property, the potential cost of replacement or repair, and your budget when making this important decision. Remember, Shield Insurance Agency is here to help you find the right insurance coverage for your property.


More Blogs by Shield Insurance Agency

Read More
Homeowners Insurance vs. Floods: 🏠What You Need to Know to Safeguard Your Home

Homeowners Insurance vs. Floods: What You Need to Know to Safeguard Your Home

When it comes to protecting your home, having the right insurance coverage is crucial. Homeowners insurance provides a safety net for unexpected events that can cause damage to your property. But what about floods? Are they covered under homeowners insurance? In this blog post, we will explore the topic of flood insurance and whether or not it is included in your standard home insurance policy.

Understanding Flood Damage and Homeowners Insurance Coverage

Floods can cause significant damage to your home and belongings. From structural damage to mold growth, the aftermath of a flood can be devastating. However, it is important to note that flood damage is typically not covered under a standard homeowners insurance policy. This means that if your home is damaged by a flood, you may be responsible for the costs of repairs and replacements.

The Importance of Flood Insurance

Given that flood damage is not covered under homeowners insurance, it is crucial to consider purchasing a separate flood insurance policy. Flood insurance provides coverage specifically for damages caused by floods, ensuring that you are financially protected in the event of a natural disaster. This type of insurance can help cover the costs of repairing or rebuilding your home, as well as replacing damaged belongings.

How to Obtain Flood Insurance in addition to Homeowners Insurance

Flood insurance is typically offered through the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA). This program provides flood insurance to homeowners, renters, and business owners in participating communities. It is important to note that flood insurance policies have a 30-day waiting period before they go into effect, so it is essential to plan ahead and purchase coverage before a flood occurs.

The Benefits of Working with an Insurance Agency

Navigating the world of insurance can be overwhelming, especially when it comes to understanding the intricacies of flood insurance. This is where an insurance agency can be a valuable resource. Shield Insurance Agency, for example, represents over 45 insurance companies and can help you find the right coverage for your needs. Their team of experienced agents can guide you through the process of obtaining flood insurance and ensure that you have the necessary protection in place.

In conclusion, flood damage is typically not covered under a standard homeowners insurance policy. To protect your home and belongings from the devastating effects of floods, it is important to consider purchasing a separate flood insurance policy. Working with an insurance agency, such as Shield Insurance Agency, can help you navigate the process of obtaining flood insurance and ensure that you have the coverage you need. Don’t wait until it’s too late – contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Remember, being prepared is the key to protecting your home and your peace of mind.


More blog articles by Shield Insurance Agency

Read More
Attention all boat enthusiasts! Learn the truth about boat insurance vs. home insurance coverage

Attention all boat enthusiasts! Learn the truth about boat insurance vs. home insurance coverage

Shield Insurance Agency Blog | Boat Insurance | Home Insurance | Start A Quote Today!

If you’re a boat owner, you may be wondering if your boat is covered by your home insurance policy. After all, your boat is an important investment, and you want to make sure it’s protected. In this blog post, we’ll explore the topic of boat insurance and whether or not your home insurance policy provides adequate coverage. We’ll also discuss the different insurance options available to boat owners, boat accidents, liability coverage, property damage, and more. So, let’s dive in!

Boat ownership comes with a unique set of risks and responsibilities. Accidents can happen on the water, and it’s important to have the right insurance coverage to protect yourself and your investment. While some homeowners insurance policies may offer limited coverage for small boats, it’s generally recommended to have a separate insurance policy for adequate protection.

One of the main reasons why boat owners should consider getting boat insurance is liability coverage. If you’re involved in an accident on the water and someone is injured or their property is damaged, you could be held responsible for the costs. Boat insurance provides liability coverage to help protect you in these situations. Without proper coverage, you could be facing significant financial loss.

Another important aspect of boat insurance is property damage coverage. Just like with car insurance, boat insurance can help cover the costs of repairs or replacement if your boat is damaged or stolen. This coverage can be especially valuable if you have a high-value boat or if you frequently use your boat in areas with a higher risk of theft or vandalism.

When it comes to boat insurance, there are different options available to suit your needs. Watercraft insurance is a broad term that encompasses various types of coverage, including boat insurance. It’s important to understand the different types of coverage available and choose the one that best fits your specific needs.

Boat insurance claims can be complex, and having the right coverage can make a big difference in the outcome. It’s important to carefully review your policy and understand what is covered and what is not. Comparing boat insurance coverage options can help you make an informed decision and ensure that you have the right protection in place.

Boat safety is another important consideration for boat owners. While insurance can provide financial protection, it’s always best to prevent accidents from happening in the first place. Following safety guidelines, such as wearing life jackets, maintaining your boat properly, and being aware of your surroundings, can help reduce the risk of accidents and keep you and your passengers safe.

Now, let’s address some common misconceptions about boat insurance. One of the biggest misconceptions is that boat insurance is unnecessary if you have homeowners insurance. While some homeowners insurance policies may offer limited coverage for small boats, it’s important to have a separate boat insurance policy for adequate protection. Don’t assume that your home insurance policy will cover all the risks associated with boat ownership.

Here are a few boat insurance tips to keep in mind:

  • Shop around and compare quotes from different insurance companies to ensure you’re getting the best coverage at the best price.
  • Consider the value of your boat and the risks associated with your boating activities when choosing coverage limits.
  • Understand the terms and conditions of your policy, including any exclusions or limitations. Regularly review and update your policy to ensure it still meets your needs as a boat owner.

If you’re in need of boat insurance, Shield Insurance Agency can help. As an independent insurance agency, Shield Insurance Agency represents over 40 insurance companies, giving you access to a wide range of coverage options. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, boat insurance is essential for boat owners to protect themselves and their investment. While some homeowners insurance policies may offer limited coverage for small boats, it’s generally recommended to have a separate boat insurance policy for adequate protection. Boat insurance provides liability coverage, property damage coverage, and peace of mind. Remember to compare coverage options, practice boat safety, and choose the right insurance agency to meet your needs.


More Blogs by Shield Insurance Agency

Read More
Don't Let ACV Ruin Your Homeowners Insurance Claim - Here's What You Need to Know

Don’t Let ACV Ruin Your Homeowners Insurance Claim – Here’s What You Need to Know

Shield Insurance Blog | ACV | Homeowners Insurance | Start A Quote Today!

When it comes to homeowners insurance claims, understanding the concept of actual cash value (ACV) is crucial. ACV plays a significant role in determining the amount of reimbursement you will receive for your property damage. In this blog post, we will delve into the impact of ACV on insurance claims, the difference between actual cash value and replacement cost, and how depreciation factors into the equation.

What is ACV?

Firstly, let’s define actual cash value. ACV is the value of an item or property at the time of the loss, taking into account its age, wear and tear, and depreciation. It is calculated by subtracting the depreciation from the replacement cost. For example, if your five-year-old television is damaged in a fire, the ACV would be the cost of a new television minus the depreciation for the five years of use.

ACV or Replacement Cost?

When filing a homeowners insurance claim, the insurance company will typically offer two options for reimbursement: actual cash value or replacement cost. ACV coverage takes into account the depreciation of your property, while replacement cost coverage provides reimbursement for the full cost of replacing the damaged item with a new one.

The choice between actual cash value and replacement cost coverage can have a significant impact on the amount of money you receive from your insurance claim. ACV coverage may result in a lower payout, as it factors in the depreciation of your property. On the other hand, replacement cost coverage offers a higher payout, but it often comes with higher premiums.

Understanding ACV in insurance claims is essential because it affects the overall coverage of your homeowner’s insurance policy. If you opt for actual cash value coverage, you may receive less money for your damaged property, which could make it challenging to replace or repair it fully. However, if you choose replacement cost coverage, you will likely receive a higher payout, allowing you to replace your damaged property with a brand-new one.

Depreciation plays a crucial role in determining the ACV of your property. Over time, all items experience wear and tear, which leads to a decrease in their value. Insurance companies take this into account when calculating the actual cash value of your damaged property. For example, if your roof is damaged in a storm, the insurance company will consider the age and condition of the roof before determining the ACV.

ACV also affects the reimbursement process in homeowners insurance claims. If you have ACV coverage, the insurance company will initially provide you with the actual cash value amount for your damaged property. However, once you replace or repair the damaged item, you may be eligible for additional reimbursement. This process is known as recoverable depreciation. It allows you to receive the difference between the actual cash value and the actual cost of replacement or repair.

Settlement in insurance claims is another area where actual cash value comes into play. When negotiating a settlement with your insurance company, understanding the actual cash value of your damaged property is crucial. It helps you determine whether the settlement offer is fair and reasonable. If you believe the offer does not adequately compensate you for the ACV of your property, you can negotiate for a higher payout.

Property valuation is also influenced by ACV in insurance claims. Insurance companies use actual cash value to determine the value of your property when calculating your premiums. If your property has a higher actual cash value it may result in higher premiums. Therefore, understanding the actual cash value of your property can help you make informed decisions when choosing a homeowners insurance policy.

Lastly, the claim payout in homeowners insurance is directly affected by ACV. If you have actual cash value coverage, the insurance company will reimburse you based on the actual cash value of your damaged property. This means that you may receive a lower payout compared to replacement cost coverage. However, it is important to note that ACV coverage often comes with lower premiums, making it a more affordable option for many homeowners.

In conclusion, actual cash value (ACV) plays a significant role in homeowners insurance claims. It affects the overall coverage of your policy, the reimbursement process, settlement negotiations, property valuation, and the claim payout. Understanding actual cash value and its impact on insurance claims can help you make informed decisions when choosing a homeowners insurance policy.

If you have any further questions or need assistance with your insurance needs, Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon.


More Great Blogs by Shield Insurance Agency

Read More
Is Your Flood Zone Secretly Inflating Your Insurance Bill? 🏠 Find Out Now!

Is Your Flood Zone Secretly Inflating Your Insurance Bill? 🏠 Find Out Now!

Shield Insurance Blog | Flood Zone | Home Insurance | Start A Quote Today!

Living in a flood-prone area can be both a blessing and a curse. On one hand, you get to enjoy the beauty of nature and the tranquility of waterfront living. On the other hand, you have to deal with the constant threat of flooding and the potential damage it can cause to your property. One way to protect yourself from the financial burden of flood damage is by having flood insurance. However, the cost of flood insurance can vary depending on your flood zone. In this blog post, we will explore how your flood zone can affect your flood insurance premium.

What is a Flood Zone?

First, let’s understand what a flood zone is. A flood zone is an area designated by the Federal Emergency Management Agency (FEMA) based on the likelihood of flooding. These zones are categorized into different risk levels, ranging from high-risk zones to low-risk zones. The higher the risk, the higher the flood insurance premium.

The effect of your flood zone on your flood insurance premium is significant. Insurance companies use flood zone information to assess the risk of insuring a property. If your property is located in a high-risk flood zone, the chances of experiencing a flood are higher, and therefore, the insurance premium will be higher as well. On the other hand, if your property is located in a low-risk flood zone, the chances of flooding are lower, and the insurance premium will be relatively lower.

The flood insurance premium is calculated based on several factors, including the flood zone, the elevation of your property, the age of your property, and the coverage amount you choose. Insurance companies take into account the historical flood data of your area to determine the risk and set the premium accordingly. If your property is located in a nearby flood area, even if it is not directly in the high-risk zone, it can still affect your premium. Insurance companies consider the proximity to a high-risk flood zone as an additional risk factor.

Flood Zone May Dictate the Need for an Additional Policy

It is important to note that flood insurance is not included in standard homeowners’ insurance policies. If you live in a flood-prone area, it is crucial to have a separate flood insurance policy to protect your property and belongings. Without flood insurance, you may have to bear the entire cost of flood damage, which can be financially devastating.

Shield Insurance Agency represents over 40 insurance companies and can help you find the best flood insurance policy for your needs. Our experienced agents understand the complexities of flood insurance and can guide you through the process of selecting the right coverage. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, your flood area has a significant effect on your flood insurance premium. Living in a high-risk flood area or a nearby flood zone can result in higher premiums due to the increased likelihood of flooding. It is essential to have flood insurance to protect your property and belongings from the financial consequences of flood damage. Shield Insurance Agency can help you find the right flood insurance policy for your needs. Don’t wait until it’s too late, contact us today for a free quote and secure your peace of mind.


More Blogs from Shield Insurance Agency

Read More
For five decades, Roman and Maz Piekarski have collected 750 intricate pendulum-driven ccuckoo locks to display in their ‘Cuckooland’ museum.

Unmarried💍Brothers Looking for an Heir to Preserve World’s Largest Collection of Cuckoo Clocks

Shield Insurance Blog | Cuckoo Clocks | Shield Insurance Agency

For five decades, Roman and Maz Piekarski have collected 750 intricate pendulum-driven clocks to display in their ‘Cuckooland’ museum.

But as time ticks down on their careers, the siblings who have no children are now desperate to find someone to take on the metronomic menagerie before their deaths, according to Southwest News Service.

“I’m 71 and Maz is 69, and we have not got anybody to leave it to,” explained Roman.

“It would be wonderful if we could get someone to take it on. It really would be.”

They became fascinated with clocks as teens and went into the trade as apprentices after leaving school at 15.

The brothers from England traveled all around the world hunting down unique timepieces while trying to beat rival collectors from the U.S. and Germany.

Worlds Largest Collection of Cuckoo Clocks

But after amassing the world’s largest collection for their museum outside of Cheshire (see video below), they now have no sons or daughters to leave it to.

“For the last four years, I have been making small inquiries as to finding somebody who could take it over,” says Roman. “But I’ve not found a single person who could come in and run it.

“We are looking for a body to take Cuckooland on, hopefully keep it together for all time. We’ve still got the time to teach people—and we don’t care where we have to go to do it—so they’ll know how to maintain, look after, give guided tours, whatever is necessary.”

KEPT ON TICKINGCancer Patient Who Set Up Antiques Shop as Dying Wish is Still in Business 20 Years Later

They caught the bug for European cuckoo clocks after learning that they all came from a 25-mile patch of the Black Forest in Germany.

Their finest pieces include one made for Frederick I, the Grand Duke of Barden in the 1860s, and another was brought aboard a Lancaster bomber in World War II.

Read the Full Story…


More Blogs by Shield Insurance Agency

Read More
These 385 Million-year-old Tree Roots Look Just Like Ours, and Tell a Tale Just Like Ours - Shield Insurance Blog

These 385 Million-year-old Tree Roots Look Just Like Ours, and Tell a Tale Just Like Ours

GoodNews Network | By Andy Corbley | Dec 8, 2023 | Tree Roots | Home Insurance

Trees are one of the oldest dominant life forms on Earth, but the most important component of a tree, the tree roots, are currently shrouded in evolutionary mystery: when they first evolved, how they evolved; these are unanswered questions.

In New York’s Catskill mountain range, a fossilized forest is clueing in paleobotanists as to the origins of woody deciduous trees, and answering, if only partially, some of these questions.

The ancient woodland is 385 million years old. While their trunks have long since turned to dust, their root systems mineralized underground, and the imprints seen today outside Cairo, New York, look remarkably similar to those of our forests today.

Devonian Tree Roots System

Yet they belong to a different sort of dendron, as they were species that predate the rise of seed disperses. The authors of a study on these Devonian root systems conclude that trees came upon the strategy of roots early on and have stuck with it until our present time.

Belonging to the genus Archaeopteris, the roots branch out in sturdy and intricate patterns, were more able to guzzle up water and nutrients than the roots of other plants at the time, and also offered the support and solidity we associate with trees today.

While seemingly obvious, this was a radical new way for trees to live back in the mid-Devonian when Archaeopteris was evolving. The other dominant genera all had spindly, fast-growing roots that would be replaced over short intervals.

While Archaeopteris wasn’t a seed-bearing tree, it had a large thick trunk that allowed it to grow both tall and wide, and broad leaves to soak up as much nutrients as possible. Combined with the roots, it shows this Devonian tree ancestor had a serious metabolic engine.

Nearby the forest at Cairo, another fossilized forest called Gilboa has long been thought to be the oldest in the world. But despite being separated by only 25 miles, the two ecosystems had several differences. Gilboa is filled with Eospermatopteris fossils, a genus that resembled tree ferns and which grew fleshy, hollow trunks, fronds instead of leaves,  and the spindly roots mentioned above.

Click here for the full story…


More Blogs by Shield Insurance Agency

Read More
Festive Seniors Build Christmas Tree Made of LEGOs and a Fireplace With Santa’s Feet Sticking Out

Festive Seniors Build Christmas Tree Made of LEGOs and a Fireplace With Santa’s Feet Sticking Out

GoodNews Network | By Andy Corbley | Dec 23, 2022 | Christmas Tree | Home Insurance

A LEGO-loving couple have created a bit of festive cheer by making an entire wall, fireplace and tree from the plastic blocks in their living room.

For the last 28 years Mike Addis and his wife Catherine Weightman have built amazing LEGO sculptures each Christmas.

Previous creations include a 21-foot London Bridge and a 12-foot replica of Ely cathedral.

Complete with Christmas Tree

Inspired by extension work being done on their house in Cambridgeshire, they decided to cover a wall in their living room with a LEGO replica, complete with Christmas tree, festive decorations, and a fireplace with Santa’s feet sticking out.

There also can be found LEGO mince pies, a LEGO matchbox, and LEGO candles that light up on the mantelpiece.

But apart from the incredible ingenuity needed to create the piece, it’s had the side effect of reducing their heating bills through the energy expenditure of stacking bricks all evening.

Addis said they committed between two to four hours each evening for two months to complete it.

“It’s quite a social thing and it keeps us warm too,” said Adids. “You can’t believe building LEGO which doesn’t involve a lot of movement would, but you could actually switch the heating off.”

“It’s all the getting up and down and fiddling around with the pieces.”

“It’s amazing even in this cold weather to not have to put the wood burner on because we’re warm enough.”

The couple used an estimated 400,000 pieces for the structure, a lot of which went into making the ‘brick’ wall stable enough.

Despite the masterpieces they have created in the past, it was the Christmas tree that was the hardest for Mike this year.

“Imagine trying to create the shape of a tree in square blocks,” said the retired economics professor. “In order to stand it upright we had to build it into the wall. The wall itself is quite heavy and is tied to our curtain rod.”


More Blogs from Shield Insurance Agency

Read More
Protect Yourself ❤️‍🩹 The Ultimate Guide to Personal Liability Insurance!

Personal Liability Insurance ❤️‍🩹 The Ultimate Guide to Protect Yourself

Shield Insurance Agency Blog | Personal Liability Insurance | Contact our office today!

Accidents and injuries can happen to anyone, at any time. Whether it’s a slip and fall at your home, a car accident, or even a dog bite, these unexpected incidents can lead to lawsuits and claims that can have a significant impact on your personal finances. That’s where personal liability insurance comes in.

Personal liability insurance is a type of insurance coverage that protects you financially in the event that you are found legally responsible for causing harm to someone else or damaging their property. It provides coverage for legal expenses, settlements, and judgments, giving you the peace of mind and financial security you need.

What Does Personal Liability Insurance Cover?

Coverage options for personal liability insurance can vary depending on the insurance policy and the insurance company you choose. However, most policies typically cover bodily injury and property damage liability. This means that if you accidentally injure someone or damage their property, your insurance will cover the costs associated with the incident, up to your liability limits.

Liability limits refer to the maximum amount of coverage your insurance policy will provide. It’s important to choose liability limits that adequately protect your personal assets. If the damages or legal expenses exceed your liability limits, you may be personally responsible for covering the remaining costs.

In addition to bodily injury and property damage liability, personal liability insurance may also provide coverage for legal expenses, such as attorney fees and court costs. This can be especially important if you are faced with a lawsuit or claim, as legal expenses can quickly add up.

Personal Liability Insurance Exclusions

Coverage exclusions are important to understand when it comes to personal liability insurance. While the specifics can vary depending on the insurance policy, common exclusions include intentional acts, professional services, and business-related activities. It’s important to review your policy carefully to understand what is and isn’t covered.

Types of liability insurance include general liability insurance, which provides coverage for accidents and injuries that occur on your property, and auto liability insurance, which provides coverage for accidents and injuries that occur while driving your vehicle. There is also umbrella insurance, which provides additional liability coverage above and beyond what is provided by your other insurance policies.

The importance of personal liability insurance cannot be overstated. Without it, you could be personally responsible for paying for damages, legal expenses, and settlements out of pocket. This can have a devastating impact on your personal finances and could even result in the loss of your personal assets.

The insurance claims process for personal liability insurance typically involves notifying your insurance company of the incident, providing any necessary documentation or evidence, and working with your insurance company to resolve the claim. It’s important to report incidents as soon as possible to ensure a smooth claims process.

Personal Liability Insurance Premiums and Deductions

When it comes to personal liability insurance, premiums and deductibles are factors to consider. Premiums are the amount you pay for your insurance coverage, typically on a monthly or annual basis. Deductibles are the amount you are responsible for paying out of pocket before your insurance coverage kicks in. It’s important to choose a premium and deductible that fits within your budget while still providing adequate coverage.

At Shield Insurance Agency, we understand the importance of personal liability insurance. That’s why we represent over 40 insurance companies, allowing us to find the best coverage options for your specific needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Don’t wait until it’s too late to protect yourself and your personal finances. Invest in personal liability insurance for the peace of mind and financial security you deserve.


Recent Blogs by Shield Insurance Agency

Read More