That’s What Insurance is For, Right

That’s What Insurance is For, Right

There’s many things that we wish we could control about our lives. We can have the bills paid, drive the speed limit, strive for a comfortable standard of living–and still, accidents can happen and our life can be momentarily led astray by mishaps. This is, of course, what insurance is for.

Let’s look at a few everyday events and see just how insurance can help us make life easier.


If My Neighbor’s Tree Falls on My Car, Does It Make a Cha-Ching Sound?

Heads up! If you neighbor’s tree falls on your car, the owner of the vehicle (you) is responsible for damages… unless you can prove with documentation that the tree was an imminent hazard and a product of willful neglect. Your homeowners insurance will typically cover this accident.

If you’re interested in finding out about all the scenarios of trees falling down and causing property damage, we recommend you check out our article, “Falling Tree Claims Who’s Responsible”

My Expensive Camera was Stolen in Italy… am I Covered?

Oh no! Of all the things to lose or have stolen on vacation, a camera’s loss seems to sting more than, say, a high-end watch. Those precious memories may be lost, but did you know that your homeowner’s insurance policy can help you recoup the value of your prized DSLR and get you back to capturing your family’s precious moments.

It’s reassuring to have this type of coverage  so that your possessions are covered even when you’re not at home.


Got Fur Babies?

Everyone who is a dog owner knows how there’s little difference between our blood relatives and our furry friends. While canines do live shorter lives than humans, we want to ensure them with good health and a pain-free life. Did you know that you can purchase pet health insurance  to ensure that your loved ones receive the best care while not breaking your bank account?

Of course, if you’re a homeowner, be sure to tell your agent if your family’s expanded to include your pooch—not disclosing your animal can lead to significant penalties and may void some (if not all) of your coverage.


Collectors and Blankets?

If you’re a collector, you know that every piece you own is part of a larger, complete whole. What would happen if vintage guitars were damaged while traveling? That’s where you may need to reread your homeowner’s insurance policy—are your possessions covered by blanket insurance? If they are, you want to know that your $25,000 policy may only cover one item up to $2,500. If that ’71 Gibson Les Paul is demolished by reckless baggage handlers, you may be out of not only a beautiful instrument, but also a large part of its monetary value.

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As you can see, insurance can cover things you’ve never thought it covered, while other times, it is absent from what seems like an obvious course of action. That’s why recommend that you speak to a RiskBlock agent to ensure that your family is covered, not only with insurance, but peace of mind.

Author: Liam Dai
Lead Insurance Advisor for RiskBlock. Disclaimer: This Blog/Web Site is made available by the author or insurance agency for educational purposes only as well as to give you general information and a general understanding of the insurance coverage, not to provide specific insurance advice. By using this blog site you understand that there is no professional advice and professional client relationship between you and the Blog/Web Site publisher. The Blog/Web Site should not be used as a substitute for professional advice from a licensed professional insurance agent in your state. All scenarios are different and unique to the situation.