07 Feb You Can Insure That!? 6 Things You Didn’t Know We Could Help You Protect
When it comes to insurance, most people only consider the main types. There’s car insurance, home insurance, business insurance, umbrella insurance, and a few others that top the list. However, there are many other things that you can insure, from pets to the collections that line the walls to your house.
Wondering what valuables you have that you may not be properly insuring? Here are some of the more unique, yet practical, forms of insurance.
Pet insurance is like health insurance, only for your cats, dogs, and other pets. The insurance usually requires you to pay a deductible should you need to use it for things like wellness exams, although some types only cover emergencies and will reimburse you for expenses. Your pets mean the world to you, so why not have some health insurance for them, just in case?
Art and Jewelry Collections
You might think that your large, expensive collections are covered by your homeowner’s insurance, but in reality, they aren’t. If you have million-dollar pieces of artwork, sculptures, or a closet organizer full of pricey jewelry, you’ll definitely need some extra coverage. Any collection that costs more than what is allocated under your standard homeowner’s insurance policy needs to have a special policy in place.
Expensive trips tend not to be refundable. So, what happens when you get sick right before that long-awaited cruise or once in a lifetime trip to a tropical paradise? Rather than lose out on money, since it’s bad enough that you’re already going to miss the overall experience, make sure that you have travel insurance in place. It will make missing your vacation a little less painful.
Worried that your future spouse may get cold feet? Or that inclement weather will destroy your dreams of a beautiful wedding? Don’t worry about it – insure it. With wedding insurance, you’ll have coverage in case a disaster occurs that prevents the ceremony or reception from taking place. You won’t have to worry about losing out on all of those deposits and more.
Wait, what? That’s right, certain people, mainly celebrities, have purchased insurance coverage on some pretty specific body parts. For example, Heidi Klum has insured her legs for $2.2 million, while Jennifer Lopez took out a $27 million policy on her booty. This isn’t just done for show. Some models, specifically those who specialize in hand or foot modeling, have insurance on those parts, just in case an unforeseen accident occurs.
Vehicles Other Than Cars and Trucks
Have you considered insuring your additional vehicles? For example, off road vehicles, boats, jet skis and more can all be insured. In case of an accident, you’ll have liability in place to cover medical expenses and a loss of income, as well as coverage that will help you either repair or replace the vehicle. This goes far beyond standard cars, trucks, and SUVs. Just about any type of riding vehicle can be insured.
Interested in one or more of these types of insurance? Contact our knowledgeable team at Spivey Insurance. Our experience agents can help you find the policies you need for those assets you didn’t know you could protect.