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Crystal Granite

Here are tips on hazard insurance, along with lessons I’ve learned-besides the fact that I should have gone to law school:

Ask what your policy doesn’t cover, If flood or earthquake damage, expensive antiques, or artwork aren’t covered, ask your agent about extending coverage. Whether you’re insured for replacement cost or cash value also factors in. (Replacement coverage cost more.)

Carry insurance on anything that matters: home, life, car, health, jewelry, business. Just know that insurance is not assurance. As my lawyer says, insurance companies are experts at collecting premiums then finding ways to avoid paying claims. According to a recent New York Times article, the property insurance industry reported more than $450 billion in policy sales last year and a record profit of $65 billion.

Reduce your premiums by installing smoke detectors or burglar alarms, having good credit and combining home and auto policies for a multiple-policy discount. 

Beware of Scams, particularly fraudulent agents selling fake policies. Check with your state insurance commissioner to see whether a company is legitimate. If a company acts in bad faith, contact you insurance commissioner. You can also find consumer support on NAIC Website: www.insureUonline.org

Keep your perspective. It’s easy to get cynical. Many insurance companies bank on burning you out. Don’t let them win.

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