Welcome email #4
Hello!
Here is another email with important information that you need to know about insurance. Please read it carefully.
At Ullrich Insurance, we only do insurance for families. I have been a partner at Ullrich Insurance with my dad for the past 15 years. We have seen A LOT throughout the years. Here is an email with very important details about insurance that we want our clients to know:
- Personal Property Limits, Look at your policy!
-A homeowners insurance policy has specific limits for certain categories of personal property. Your “Personal Property” limit might be a couple hundred thousand dollars, but certain types of property have specific limits. The most common categories of property that have specific coverage limits are: art, jewelry, firearms, tools.
-Make sure that you read your homeowners insurance policy to see the categories and limits. If you need coverage for any specific category, please let us know.
- E-Bikes:
-The world is changing! E-Bikes are now very popular. Homeowners insurance companies cover regular bikes but there are major coverage limitations for E-Bikes, because E-Bikes have motors. There is a chance that your homeowners insurance policy might not cover E-bikes, or any injuries caused by E-bikes.
-If you have an E-Bike or if you ever plan on getting an E-Bike, let us know and we can talk about it.
- Other people living in your home might not be covered by your auto insurance
-Auto insurance companies are updating their guidelines. Let’s say that you let someone drive your car, then that person causes an insurance claim. If that person lives with you BUT is not listed as a driver on the auto insurance policy, the insurance company might say that they are not covered at all. This is a big deal! I someone lives with you, if you want your auto insurance policy to cover them, they must be added as a driver on your policy.
-When you have a child who gets their driving permit, they need to be added onto the auto insurance policy. (They will not make your rates increase until they have their license, though)
I’m glad that you’re reading these emails! Let me know what you think about them!