Tag: insurance

Will Your Home Insurance Require You To Make a Home Inventory?

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If you have a home insurance policy, you may be asked to make a home inventory. Knowing what a home inventory is and how it can help you is important. The professionals at Insuran LLC, serving Central Ohio, can help you decide whether a home inventory is a requirement for your home insurance policy. Here’s what you need to know.

What Is a Home Inventory? 

A home inventory is a record of everything you own. Ideally, a home inventory will record the date something was purchased, how much it was purchased for, model numbers, serial numbers, and so on.

Some homeowners keep their home inventory in a spreadsheet, while others use a home inventory app. And others may use home videos to create their inventory. 

Is a Home Inventory Required for Your Home Insurance Policy?

Requirements for home inventories vary from one home insurance policy to the next. If this is a requirement for your home insurance policy, this information will be in the policy. You can also ask your insurance agent. 

Either way, a home inventory is a good record for all homeowners to have. It makes it easier to recover after a disaster. It can be difficult to remember what you own when you’re trying to replace everything that’s been lost. The home inventory simplifies this process. 

How Can You Make A Home Inventory?

Making a home inventory is easy if you have the right software or equipment. Home inventory apps streamline the process. If you want more information about making a home inventory, talk to your agent at Insuran LLC, serving Central Ohio. 

How Auto Insurance Handles Accidents With Uninsured Drivers

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Getting into an accident is stressful enough, but discovering the other driver doesn’t have insurance can make the situation even more complicated. Unfortunately, millions of drivers operate vehicles without proper coverage, leaving responsible drivers vulnerable to significant financial losses. Insuran LLC in Central Ohio helps drivers understand how proper coverage protects them when facing these challenging situations.

Understanding Uninsured Motorist Coverage

When an uninsured driver causes an accident, their lack of coverage doesn’t automatically make you responsible for the damages. However, without the proper protection, you might struggle to recover costs for vehicle repairs, medical expenses, and other losses. Uninsured motorist coverage specifically addresses this gap, providing compensation when the at-fault driver is unable to pay for the damages they caused. This coverage acts as your safety net in these frustrating situations.

Protection Beyond Basic Requirements

Many drivers assume their standard liability coverage handles all accident scenarios, but this only covers damages you cause to others. Comprehensive protection includes both uninsured and underinsured motorist coverage, ensuring you’re protected even when other drivers carry insufficient insurance limits. This additional coverage typically costs very little compared to the financial protection it provides your family.

Filing Claims and Getting Compensation

When dealing with uninsured driver accidents, your insurance company essentially steps into the role the other driver’s insurer should have played. This means faster claim processing and direct communication with your trusted insurance provider rather than dealing with unknown companies or uncooperative drivers. Proper documentation and prompt reporting help ensure smooth claim resolution and maximum compensation.

Secure Your Financial Protection

Don’t leave your family’s financial security to chance when sharing the road with uninsured drivers. Contact Insuran LLC in Central Ohio today to review your coverage and ensure you have adequate protection against uninsured motorist risks.