{"id":330,"date":"2016-01-07T07:30:55","date_gmt":"2016-01-07T07:30:55","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=330"},"modified":"2016-01-02T19:41:04","modified_gmt":"2016-01-02T19:41:04","slug":"5-biggest-mistakes-when-buying-insurance","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=330","title":{"rendered":"5 Biggest Mistakes When Buying Insurance"},"content":{"rendered":"

\"Jan_Blog1\"<\/a>
\nInsurance can be a tricky purchase.\u00a0 Auto lienholder happy?\u00a0 Check.\u00a0 Mortgage lender happy?\u00a0 Check.<\/p>\n

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But this simply isn’t enough!\u00a0 Some things on your insurance policy deserve a little more attention.\u00a0 As an insurance agent, here are some of the BIGGEST coverage mistakes I\u2019ve seen.<\/p>\n

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Mistake #1:\u00a0 Buying Only The Required State Minimum Liability Insurance <\/strong><\/p>\n

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Every state has a minimum amount of liability insurance that is required in order to drive.\u00a0 But it\u2019s typically no where near enough coverage!\u00a0 Choosing only the minimum liability insurance could leave you open to a lawsuit, garnished wages, or potentially losing an asset, like your home.<\/p>\n

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Discuss different liability amounts with your agent to see what is necessary based on your income, net worth, and liabilities.\u00a0 (Another bonus?\u00a0 It won\u2019t near as much as you might think!)<\/p>\n

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Mistake #2: Not Insuring Your Home For Replacement Cost<\/strong><\/p>\n

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Many people think they only need enough coverage to insure their home for the amount they paid for it.\u00a0 Not true!\u00a0 You need to be insured for the amount of money it would cost to REPLACE your home.<\/p>\n

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If a fire or tornado destroyed the house, you would need insurance to replace it.\u00a0 The total cost could be tens of thousands more than the house would have sold for on the market.\u00a0 If you\u2019re currently only insured for the cash value of your home, you could be at risk!<\/p>\n

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Mistake #3: Buying Life Insurance Through Work<\/strong><\/p>\n

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Most people tell me that they have life insurance through work and aren\u2019t interested in purchasing their own coverage.\u00a0 This is also a mistake.<\/p>\n

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The problem?\u00a0 The majority of us don\u2019t stay at jobs for 30 years anymore.\u00a0 And if you develop health issues and leave your current employer\u2026.you might not be able to get coverage again!<\/p>\n

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When you purchase your own life insurance (which is extremely affordable), you are covered no matter where you work or what health problems you might develop in the future.\u00a0 It\u2019s the smarter choice!<\/p>\n

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Mistake #4: Buying The Cheapest Policy<\/strong><\/p>\n

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It\u2019s tempting to shop for insurance and just pick whatever is the cheapest, but it\u2019s usually not the best idea.<\/p>\n

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First you want to make sure that you\u2019re buying from a reputable company.\u00a0 You want a solid insurance carrier that you can trust to pay your claims.<\/p>\n

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And you want to make sure you\u2019re comparing apples to apples.\u00a0 Does the cheaper policy only insure your home for cash value instead of replacement cost (like mistake #2)? Does one company exclude water leaks but another cover them?\u00a0 Big details can be hidden in the small print!<\/p>\n

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Mistake #5: Not Using An Agent<\/strong><\/p>\n

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Best way to avoid ALL of these mistakes?\u00a0 Work with an insurance agent!<\/p>\n

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We know all about insurance and can find the right coverage for your specific situation.\u00a0 We\u2019ll make sure your liability limits are high enough, that your home will be replaced after a loss, that you won\u2019t lose your life insurance when you change jobs, and that you aren\u2019t buying an inadequate policy that doesn\u2019t protect you.<\/p>\n

 <\/p>\n

Call us today for a quote!<\/p>\n

Zappia Insurance and Financial Group<\/strong><\/p>\n

1-800-569-2867, DuBois (814) 371-4901, Pittsburgh (412) 265-6383<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Insurance can be a tricky purchase.\u00a0 Auto lienholder happy?\u00a0 Check.\u00a0 Mortgage lender happy?\u00a0 Check.   But this simply isn’t enough!\u00a0 Some things on your insurance policy deserve a little more attention.\u00a0 As an insurance agent, here are some of the BIGGEST coverage mistakes I\u2019ve seen.   Mistake #1:\u00a0 Buying Only The Required State Minimum Liability […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[11,10,9,27],"tags":[],"class_list":["post-330","post","type-post","status-publish","format-standard","hentry","category-car-truck-insurance","category-homeowner-tips","category-insurance-tips","category-renters-insurance"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-5k","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=330"}],"version-history":[{"count":2,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/330\/revisions"}],"predecessor-version":[{"id":333,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/330\/revisions\/333"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}