Month: October 2019

Everyone knows that when you want protection for your vehicle, you get car insurance. When you want to protect your business from bankruptcy in the event that your company is sued, you get a general liability insurance policy… and so on. What if, however, you’re concerned that your house is haunted and you want financial protection from the ghost(s) plaguing your residence? You would get ghost insurance, of course.

Spooksafe Insurance

Ultraviolet is an insurance company based in the UK that issues specialty policies including Spooksafe. Spooksafe provides coverage in the event that you are attacked by a spirit, werewolf, or vampire. For those who are not superstitious, this may seem like a ridiculous waste of money. However, plenty of paranormal enthusiasts and paranoid home/business owners have invested in this unique policy which can provide up to $1,000,000 in coverage if you can prove that you were attacked by a supernatural being.

Spooksafe insurance covers the following:

• Death caused by the paranormal
• Injury caused by the paranormal
• Damage to personal property caused by the paranormal
• Attacks by vampires and/or werewolves

A $100,000 claim was actually paid out after a woman was thrown over the banister of her home here in the US tragically resulting in her death. After investigating, Ultraviolet underwriters concluded that her death was indeed caused by a poltergeist attack and paid up. This woman isn’t the only one who needed a Spooksafe policy; in 2002, the landlord of the Royal Falcon Hotel in Lowestoft, Suffolk obtained a �500 annual policy after claiming his hotel was haunted by the ghost of a monk who threw glasses in the adjoining pub. His insurance policy would pay up to �1 million in the event that anyone was killed or injured on the premises.

Other Ghost Insurance

Not satisfied with Spooksafe? Ultraviolet is not the only insurance company that provides specialty insurance. Lloyd’s of London is known for providing coverage to protect its policyholders from just about every situation under the sun. Serving over 200 countries, Lloyd’s also has a ghost insurance policy that over 40,000 people have chosen to carry.

In case ghosts aren’t your only concern, you can also purchase policies to protect yourself against Yeti and Bigfoot attacks, alien abduction, and being turned into a vampire or werewolf from this insurance company. Lloyd’s of London is pretty much your one-stop shop to insure yourself against any supernatural risk!

Risk Averse Insurance may not have any policies involving coverage for ghosts, vampires, or werewolves, but we do provide expert service while offering affordable prices on business and personal insurance. Contact us for any questions you may have and we’ll work with you to find the best coverage for your needs at a reasonable price!

Call Risk Averse Insurance in Media, PA to get a quote on a business or personal insurance policy.

Risk Averse Insurance is an independent insurance agency in Delaware County that specializes in providing high-quality insurance products at an affordable price.

Comprehensive and collision are both types of auto insurance that work to protect your vehicle in the event that damage is done to it. However, they differ in the types of damages that they will cover.

 

Collision Insurance Coverage

Collision coverage is incredibly important to have for any driver regardless of your level of experience. Whether you’re 18 or 65, accidents happen and fixing or replacing your vehicle after the fact can be very expensive.

The damages that collision insurance will cover is in the name; it covers damages incurred during a covered accident after a collision with another vehicle, object, or road hazard such as a pothole. After your deductible is paid, your collision coverage kicks in to pay the remaining costs of repairs done up to your car insurance policy’s limits.

As collision coverage can be expensive, many choose a higher deductible to keep their monthly payments and overall premium cost lower. A deductible of at least $500 is recommended.

Collision insurance coverage is optional to add to your auto insurance policy unless you are leasing your vehicle or are paying loans. If this is the case, your lienholder often requires that you have collision added to your policy.

Comprehensive Coverage

Comprehensive insurance will cover damages that are not caused by a collision with another vehicle or an object. It instead covers damages to a vehicle on your auto insurance policy involving the following:

• Theft
• Vandalism
• Fire
• Windshield repair
• Natural disasters
• Falling objects
• Animal impact (most commonly deer)

 

Which Coverage Should I Have?

If you carry comprehensive and collision insurance coverage, your vehicle will be protected for a variety of scenarios. You can choose to carry neither, just comprehensive coverage, or comprehensive and collision coverage. You cannot, however, carry collision without comprehensive insurance.

It’s important to note that you do not want to be stuck in a situation where you do not have enough coverage if you get into in accident; however, you also don’t want to over-insure your vehicle and end up paying for a bunch of coverages that you do not need.

It’s always best to talk to your agent if you’re unsure about which to carry. Risk Averse Insurance has been insuring Delco and the surrounding areas since 2015, providing expert service while offering affordable prices on car insurance. Contact us for any questions you may have regarding your auto insurance and we’ll work with you to find the best coverage for your needs at a reasonable price!

 

Call Risk Averse Insurance in Media, PA to get a quote on your auto insurance policy.

Risk Averse Insurance is an independent insurance agency in Delaware County that specializes in providing high-quality insurance products at an affordable price.