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R&R Insurance Blog

Are You Covered? Test Your Personal Insurance Knowledge

Posted by the knowledge brokers

Insurance-Knowledge-TestSummer in Wisconsin calls for countless family celebrations, parties with friends, and neighborhood barbecues. Along with that comes the responsibility of what happens if an accident occurs at your home. To test your knowledge of your own insurance coverage, see if you can accurately answer the questions below.

 

Are the following incidents covered by your home insurance policy?

1. The neighbor’s son, Little Timmy, taunts your nine year old Golden Retriever and she snaps back with a bite. Timmy is left with a gash on his leg and a trip to the walk-in clinic. Covered?

2. Little Timmy’s older brother teaches the kids how to play backyard baseball and one goes right through the brand new front window. Covered?

3. Your family sticks around much longer than expected and the mayo filled pasta salad doesn’t get put away. They all call the next morning to tell you about their awful food poisoning and midnight trip to the emergency room. Covered?

4. Grandpa Joe, Uncle Don and Uncle Bob don’t listen to your direction and all sit on the same side of the 20 year old porch. All three are left sitting on the concrete when it collapses. Covered?

5. Your best friends bring a bucket filled with water balloons to your son’s birthday party. After an all-day battle, unlucky Little Timmy takes one right to his eye and winds up back at the walk-in clinic. Covered?

 

If you answered yes to all five questions above you are an expert insurance policy holder! All of the incidents above would be covered under your homeowners’ policy.

 

However, more often than not we recommend an Umbrella Policy to make sure you are adequately covered. Whether you own a home or car, are married, or have kids, an Umbrella Policy can save you from possible lawsuits down the road. Click here to learn more about the importance of having an Umbrella Policy.

Topics: Personal Insurance