Protect Your Most Valuable Assets

Buying a house and vehicle are two of the most important events in your life, so you need the right coverage to protect those valuables. Did you know you can bundle your home and auto insurance to save money?

Let’s look at what home and auto insurance will cover and why bundling these options may be a good option for you.

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About Homeowners Insurance

If you’re a homeowner, you understand the importance of protecting your house—and the contents in it—with the right insurance policy. There are so many different things that can happen to a home. From fire to natural disasters, it can be hard to know how to plan for many different situations. Home insurance can help financially compensate you if something unexpected occurs.

While a home insurance policy can be customizable, there are three essential levels of coverage provided:

  • Actual Cash Value

This will provide coverage for the cost of the house, including the cost of your belongings, after calculating what your items are currently worth (not how much you paid for them).

  • Replacement Cost

This provides coverage for the replacement cost of your home and possessions.

  • Guaranteed/Extended Replacement Cost/Value

This will cover the costs it takes to rebuild or repair your home, even if it costs more than your policy limit. Other insurers may offer an extended replacement, which does offer more coverage than what you purchased, but there is a capped amount. This amount is typically 20% to 25% higher than your policy limit.

About Auto Insurance

Driving can present so many unknowns. Making sure you’re prepared for those unknowns is necessary, and auto insurance can be part of that. 

While the car insurance requirements by law will vary by state, here are the main types of coverage you may be required to have:

This will cover the costs associated with an accident you cause.

Regardless of who is at fault for the accident, this will pay for your medical expenses.

This will provide coverage for the damage that may be caused by someone without insurance or someone without enough insurance.

Ready to Bundle? Call MMC Insurance!

If you need both home and auto insurance, you may want to bundle your policies. This will be a convenient way to receive a discount.

Does bundling sound like the right decision for you? Call to speak with an agent who will help you get started!

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