What Does My Insurance Really Cover? Part 1. Comprehensive Coverage

Whether you’re a hard working parent trying to provide for your family, or a young couple just starting out, Avalon Insurance Group, Inc is here to protect you! We want to educate you and make sure you know the best insurance plans to fit your needs for car, home, flood, condo, renters, commercial, boat insurance, and so much more!

 

Do you know the ins and outs of your policy? We are a call away if you have any questions 239-275-3888. Our friendly associates are always here to help you. In this new blog we will dive in to some basic coverage’s and their meaning, so you can decide whether they are a right fit for you.

Comprehensive coverage: What is it? Comprehensive coverage is defined by the state as:

 “Comprehensive insurance pays for losses from incidents other than a collision. Examples would be fire, theft, windstorm, vandalism, flood or hitting an animal.” (https://www.floridabar.org/tfb/TFBConsum.nsf/0a92a6dc28e76ae58525700a005d0d53/bf33d30e9b73f8df85257405007bd593!OpenDocument)

 

Comprehensive coverage is a valuable coverage to have- especially on a newer vehicle. This coverage helps you repair or replace, in the event of damage to the vehicle, for a covered loss other than colliding with another vehicle.

 

For example, Johnny was driving down Burnt Store Road on his way to work. Being a CO, Johnny always goes to work before sunrise, when the roads are dark. A wild boar came charging out onto the highway, giving him no notice to break. The boar collided with Johnny’s vehicle- causing over $2,000 in damages to Johnny’s brand new 2017 car. Thankfully, when purchasing his insurance Johnny decided to add comprehensive coverage, as recommended by his agent. He paid a small deductible and his car was replaced in no time… Johnny was back on the road again!

 

Comprehensive coverage is a great asset to have on your policy. Give us a call today if you have any questions about adding it on, or for a free quote! 239-275-3888.

Stay tuned to our blog for our new series “Hidden Insurance- What Does My Insurance Really Cover?”…

 

 -Amanda @ Avalon