HO Policy: Theft and Vandalism

Have you ever been a victim of Theft or Vandalism? The damages done, or the property stolen, may be more than you can replace or repair on your own. On most homeowners policies, you can only pick one deductible for all perils. If you have a $2,500 deductible on your HO policy, with big claims on your mind, what if someone comes in and steals $1,500 worth of your personal property? Your deductible on your home insurance is $1,000 above the amount stolen, so it does not make sense to make a theft claim with your insurance company. At the same time, do you have $1,500 cash on hand to replace the stolen property? You can avoid this situation.

A couple of our carriers let you set a separate deductible for theft, and one of them lets you put a $0 deductible! When you need help after a theft, do you want to pay a deductible on top of the loss? No, and help can cost you a $0 deductible on your HO policy. Wow. Can you do that with your current carrier? The old saying, “You get what you pay for,” is very true in insurance. When you call us, we will do our best to protect you. Yes, we are here to help you save money, but we are here for more than that. If you want the best coverage and advice on your insurance, then we are the insurance agent for you.

If you live in the Nashville area, The Gulch, Fairview, TN, Franklin, TN area, we are here to serve you as your local insurance broker. Thank you for reading today’s blog, and I hope we are able to help you when you call us! We have 20 Home and Auto insurance companies to shop around for you!

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