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Property & Casualty

Property & Casualty insurance protects you from lawsuit and can provide for repairs/replacement of property.

Do not assume that the insurance company’s "default” policies represent the best value for you. There can be significant reductions in premium by:

  • Having high deductibles—consider only insuring for that which your Emergency Fund can’t handle
  • Dropping comprehensive on older vehicles
  • Having all policies with one insurer

Since a costly lawsuit can be catastrophic financially, premium dollars are better spent with high liability limits that protect (equal) your net worth rather than low deductibles.

Liability limits on homes and automobiles are often capped at $300,000 or $500,000. If your net worth exceeds the liability limits available, protect your assets by purchasing Umbrella insurance. 

False information may result in higher premiums.  Check your claims, inquiry and personal information for accuracy by requesting your free C.L.U.E. Report.  

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