What Is Full Coverage Auto Insurance?

Most of us drive, own a car, and at one point in our lives will be involved in a fender bender or accident. Regardless of who you are, Auto Insurance is very important and a necessary coverage you need to address with your agent. 

People often talk about having their cars "fully insured". But for those who don't really know the ins and outs of auto insurance terminology,  there's really no such thing as "full coverage" for your car. The good news is that there are a lot of auto insurance coverage options that can help protect you, your family and even your business in the event of an accident. 

To fully understand your current coverage, watch this helpful video from Allstate or come visit your local agent today.

What Does Your Home Insurance Cover?

A "Peril" is a certain risk that may affect or damage your home. This is an insurance industry term, but basically describes the list of mishaps you're protected against. Here's a look at what the Insurance Information Institute says are some of the most common perils covered by a typical homeowners insurance policy:

  • Fire and smoke
  • Lightning strikes
  • Windstorms and hail
  • Explosion
  • Vandalism and malicious mischief
  • Damage from an aircraft, car or vehicle
  • Theft
  • Falling objects

For an more in depth look at your "Perils" or covered events, please reach out to your local Allstate agent, John Rose at 704-366-7779. 

 Allstate Overview Of Home Insurance

Allstate Overview Of Home Insurance

 

 

 

 

Going To The Chapel?

Are you and your partner looking to get married in 2018? While it is a joyous occasion, it is important to candidly discuss finances to avoid stress after "I Do".  Here are some great tips from Allstate on how to set up a strong foundation for your relationship and joint finances. According to Forbes the #1 reason married couples fight is money. #2... are silly little annoying habits like the toilet seat.  While the John Rose Agency and Allstate can't help you with those, we do have financial experts standing by to help you with your Marriage & Money questions. 

https://www.allstate.com/financial-planning/marriage-partnership.aspx

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Some Things That Could Affect Your Insurance Coverage & Premium

How well do you know your Allstate insurance agent? Have you reached out to your agent in the last year and made any important changes to your policy after the birth of a child, after an accident or an addition to a house or business? 

If you answered "no" to any of these questions, you could be in for a costly surprise when you need to file an insurance claim.  It is so important to review an insurance policy—especially one you may not have looked at for quite some time on a regular basis. You wouldn't wait years to visit the doctor or take your auto in for a check up, would you?.  Here is a great article highlighting some variables that will affect your premium and coverage. 

https://www.cnbc.com/2014/04/14/how-well-do-you-know-your-insurance-policy.html

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Are You Ready For Hurricane Season?

Storm Season is here! To best prepare your home, property and family in the event of a major weather event this year, check out this comprehensive Hurricane Preparedness checklist & guide from Allstate Insurance.  If you have any questions about your policy and what is covered make sure to call us BEFORE the storm comes. 

https://blog.allstate.com/ahead-of-storm-hurricane-guide/