With your auto insurance, life insurance, home insurance, health insurance, and business insurance, you're probably pretty confident you've got all your bases covered. No matter what might happen, you have a policy in place to offset any of the misfortunes that could befall you or your property, right?
Chances are, those in the Pennsylvania can still vulnerable, possibly in ways you've never suspected. Fortunately, insurance is available to protect those parts of your life that may have been inadvertently overlooked. It just might save the day should one of those "when pigs fly" scenarios actually come true. Here are some examples:
Pets Just like people, our furry, feathered, finned, and four-legged friends have health issues and unexpected accidents. We've all heard the stories about those who've paid thousands of dollars in veterinary bills to save the lives of their beloved dogs and cats, and most of us are confident we would do the same. But what if you didn't have to? A pet insurance policy will protect you in the event that man's best friend becomes ill or injured and needs costly medical care. Such policies function in much the same way that human health insurance does.
Lightning Sure, the odds are slim, but lightning can strike...sometimes twice! And it can do serious damage to your home, car, or-gulp-you. Many home and auto insurance policies offer protection in the event that lightning does damage to your property, but not all of them do, and some have relatively low maximum payment amounts. Check your policy to make sure you are adequately covered.
Tombstone It is not uncommon for people to purchase and place grave markers in advance of their deaths. But what happens if those grave markers incur damage? Though typically fashioned of hardy materials, grave markers can be chipped, broken, vandalized, or stolen. Grave marker coverage is available to cover the cost of repairing or replacing a damaged tombstone. In some cases, this coverage is available as part of a homeowner's insurance policy.
Kidnapping A ransom insurance policy is not at all impractical if you are well to do, famous, work in high-risk situations, or travel to countries where kidnapping is a possibility. Such a policy will provide ransom money in the event that you are kidnapped-money that could potentially devastate you financially if you or your family were obligated to come up with it.
Body Parts If you are an athlete or model, or make a living off of the functionality or attractiveness of your body, you should definitely make sure the right parts are insured. Insurance companies do offer policies that pay if, for example, a professional baseball pitcher loses the use of his hand.
A Hole in One Have you ever sponsored an event where valuable items-cars, appliances, cash-were offered as prizes? A golf tournament is a good example of such an event. If a participant makes the highly unlikely hole-in-one shot, he or she wins a prize-at the expense of the event sponsor. Fortunately, such sponsors can take out what is formally known as prize indemnification insurance. In addition to athletic tournaments, this insurance is commonly used in game shows and other contests.
Call or contact Richard B. Ryon Insurance about other types of insurance that can protect you in any type of situation and fitting your particular lifestyle.