Home - including vacation homes, rental properties
Automobile - snow mobiles, boats, motorcycles
Legal Liability - home, auto, umbrella liability
Personal Effects - “collectibles” jewelry, furs etc.
Life, Accidental Death, Disability
• The Structuring of these Policies can provide asset protection in many forms.
•Life Insurance planning is critical especially as years go by and life events change to need for protection.
This is a very difficult insurance to consider and especially hard to discuss.
Here is what you should do:
It is very important to make time to learn more about these policies.
Plan a review with your agent to learn what coverage you have and might be offered by the insurance company.
Home
-General information (type of construction, square footage..) to be sure your property is properly rated by the insurance company.
-Basic information value, deductible, limits….
-Review - Bundled Packages (coverages)
- Endorsements available
- Personal Articles listings ie furs, jewelry…
Automobile
Review all coverages available such as;
- List of vehicles & drivers
- Uninsured coverage/limit
- Underinsured coverage/limit
- Stacked vs non Stacked
- Full / Limited Tort
Limit of Liability Section of each policy is vitality important to understand and how this “primary limit of liability” dovetails with the Umbrella Liability Policy.
All Personal Insurance Products mentioned above are provided by and through
The Jeff O'Connor Insurance Group - Erie Insurance Group
