As a consumer, you want your insurance to work for you. You may not have used your insurance to pay a claim in years, or maybe you have never used it, but you diligently pay your premiums every month or term. Insurance becomes a chore for some consumers because it is enforced by lenders and the law. The government sets minimum limits, your lender has minimum insurance requirements, and some insurance policies have minimum allowable coverages based on the value of your property.
It is easy to get wrapped up in which coverages you are required to carry. With all of these rules, consumers sometimes miss out on extra nonmandatory coverages and endorsements that can make your insurance more useful to you. We have compiled a list of some of the most valuable, yet underappreciated, home and auto insurance coverages.
Remember, these coverages are not normally "required" so do not assume that they are a part of your current plan. However, you may decide to add them to your policy or increase their limits after reading what they can do for you.
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Home insurance is based on the cost to rebuild and replace your home, not its market value.home
Darnielle Insurance is available to answer your questions. We are located at 1320 28th Street West, Billings, MT 59102. Give us a call at 406-652-4180.