A misunderstanding about coverage can become expensive after an accident, theft, storm, injury, disability, or death. The best time to understand insurance is before you need to use it.
Many drivers assume they are covered for more than their policy actually provides.
Liability coverage generally pays for damage you cause to others. For theft, hail, fire, vandalism, animal impact, or damage to your own vehicle, you may need comprehensive and collision coverage.
Comprehensive coverage may cover the vehicle and attached equipment, but personal belongings inside the car may need homeowners or renters coverage.
Direct companies are not always cheaper. Independent agencies like RIGHTSURE can help compare multiple carriers and coverage options.
Home insurance is powerful, but exclusions and limitations matter.
Some losses may require separate policies or endorsements, such as flood coverage, sewer backup, earthquake, or other excluded events.
Medical payments on a home policy is generally designed for guests or others injured on your property, not household members.
After a major loss, a home inventory with photos, receipts, purchase dates, and serial numbers can help support your claim.
Life insurance needs are personal. Income, debts, children, spouses, mortgages, and long-term family needs all matter. Employer-provided life insurance can be helpful, but it may not be enough and may not stay with you after leaving the job.
Many people underestimate the financial damage caused by losing income because of an illness or accident. Employer disability coverage may have limits and may not replace bonuses, commissions, or your full income.
Insurance is easier to understand when you separate assumptions from actual policy language.
Usually not with liability-only coverage. Comprehensive coverage is commonly used for theft, hail, fire, vandalism, animals, and other non-collision losses.
Standard homeowners insurance typically does not cover flood damage. A separate flood policy may be needed.
It depends. Employer coverage may be limited and may not remain in place if your employment changes.
Yes. RIGHTSURE helps families compare insurance options with technology and Famously Friendly Humans.
