Personal Umbrella Policies

Winston-Salem, NC 5/29/2015

Do you own a dog, drive a car, or Invite guests into your home? If so, you have the potential to be the target of a lawsuit, putting you at risk of losing everything you’ve worked for over the years!

Click below to watch our video and learn how a Personal Umbrella Policy could protect you!

 

 

Please contact our agency with further questions.
 
Wilson Insurance Services - Our Knowledge is Your Best Assurance™.

 

 

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Claims and Your Insurance Rates
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When is it time to contact your auto insurance or home insurance agent to file a claim?

You might be thinking, "Whenever my car or house has been damaged, like by an accident, or a disaster." But deciding whether to file a claim can be a complex process. In some cases, a claim may cause an insurance company to raise your rates.  In other instances, a claim could land your name in a database that might make it difficult to get or maintain coverage in the future.  Before you file a claim, make sure you completely understand how it will impact your future premiums and insurability.
 
Claims that spike premiums
 
Certain types of home insurance claims are more likely to trigger an increase in premiums. They include:
 
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2. Water Damage
 
3. Slip-and-Fall Claims
 
"The whole point of insurance is to make good on a loss, to make individuals whole again," says Claire Wilkinson, the editor of Terms + Conditions, the blog of the New York-based trade group the Insurance Information Institute. However, many people fear that filing insurance claims will cause them to be "blackballed" by insurance companies, resulting in higher premiums, loss of coverage and difficulties obtaining new insurance. And in some cases, they might be right.  Read more here:
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What You Should Know About Rental Car Insurance
8/1/2017
There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
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  • Tolling, or Turning the Vehicle Over
  • Lease Gap coverage
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  • Animal Collision
  • Flood and Hail Damage
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  • Drivers who rent, and do not own another vehicle insured elsewhere, need to be expecially careful here
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5 Ways to Control Rising Homeowners Insurance Premiums
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Just as with real estate values, location rules when it comes to homeowners insurance costs. According to the National Association of Insurance Commissioners, the average annual U.S. premium was $842 in 2015, the most recent year for which figures are available. Floridians paid the highest rates, averaging $1,534 a year, while at the opposite end of the spectrum, homeowners in Idaho paid $422.  North Carolina residents averaged $664 per year. 
 
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