A wise man once said, “Needing insurance is like needing a parachute. If it isn’t there the first time, chances are you won’t be needing it again.” We all know how important it is to protect our most cherished possessions. There isn’t a soul out there that would hesitate to insure their car, or their house, for instance. But did you know that practically everything under the sun is actually insurable? What you insure doesn’t even have to be tangible. You just have to care enough about it not to lose it. Here are five things most people value that you probably didn’t realize could be insured:
Life in a digital world means that every individual has a digital identity. This digital identity is a unique profile of personal information that people depend on to carry out routine transactions. If your digital identity sounds important – that’s because it is. In the wrong hands your personal information can be used to permanently sabotage your reputation and financial good standing. Identity Theft Insurance provides protection against theft of this profile by criminals who deliberately try to misuse people’s personal information.
Anyone who’s ever had to deal with the pageantry of hosting a party probably knows how complicated all the planning can get. It’s even worse when a party is planned for official reasons like weddings or conferences. If you want to prevent financial losses associated with event planning, all it takes is a little Special Events Insurance. Special events insurance can even protect against physical injury, or property damage that happens during a party.
Your Jesus Piece:
There’s no better feeling in life than being able to pop your collar with some bling draped across your chest… even if you spray-painted it yourself. But if your jewelry happens to cost a pretty penny, you might want to think about special coverage for jewelry and precious items. Whether it’s watches, rings, chains, shoes or clothing, if an item you own would be difficult to replace financially, you can purchase a floater along with an ordinary insurance policy that specifically caters to your high-value possessions. Most standard policies set low limits for replacement of lost or stolen items.
If you’ve ever huddled in bed on vacation cursing at Montezuma’s revenge you know that anything could go wrong on a trip. It’s easy to plan for fun and games as you travel, but people rarely expect to suffer accidents and mishaps while away. Travel Insurance can’t prevent bad things from happening on vacation. It can however soften the blow of having to make difficult decisions suddenly in a new environment. The farther away a trip is from home, the more important it is to make sure you are protected from being stranded under difficult circumstances.
If you’ve ever had to visit a veterinarian you know that providing good treatment for pets out-of-pocket can get pricey. Pet Health Insurance helps ensure your beloved pets lead happy and healthy lives. Because animals are legally classified as livestock, pet insurance actually falls under a class of property insurance. At the very least, pet insurance can make it possible for you to avoid paying treatment costs in lump sums.
If you’ve ever had to invest time, money and effort into something you consider an asset, always look into whether you can protect it with an insurance policy. You might be pleasantly surprised by what you learn. For more information, visit any of our offices or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you get the right insurance for your personal needs. We got you covered!