In today’s insurance market place many carriers are offering multi-policy discounts. Their reasoning for making this offer is the long proven fact that the more lines of coverage (types of policies) a company has with a client, the longer that client are going to stay with them (and pay premium). There are advantages to the client as well, however.

The first and most obvious is, of course, money. These discounts can be significant. A carrier may offer up to a 15% discount on their auto insurance if the policyholder also has a homeowner’s insurance policy with them. If that client had four cars and two teenage sons, this discount could be substantial, and in fact could be sufficient to pay the entire homeowner premium.

There are two other reasons that come to mind immediately. One has to do with coverage. If there is a dispute regarding coverage between the homeowner carrier and the auto carrier, it becomes academic if they are both the same company.

The other has to do with one’s relationship with the carrier. In the event that luck turns bad and there are several losses, the carrier may be more reluctant to cancel or non-renew the policy, if carrying multiple lines of coverage.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

If the time has come for you to sell your recreational vehicle, you may have found that selling it on your own can be a difficult task. You may not have the resources or knowledge to put your RV in front of people who are looking to buy. When you’ve had little luck selling on your own, you may turn to an RV consignment dealer. These dealers have the time and knowledge to put your RV in front of those who are looking for it. They have the networks and the resources to promote your RV more successfully than most people can do on their own.

When you have an RV consignment company sell for you, there may be some risk associated that you may not be aware of. Most RV insurance policies will not cover damage that can happen while your RV is on the consignment lot. If it is damaged by weather, during a test drive or even vandalism, you will have little recourse.

If you are planning on selling your RV in this way, you should consider purchasing RV consignment insurance. This added protection will give you peace-of-mind, while you are waiting to sell your RV. If something should happen to it, the coverage be very helpful.

If you need to purchase RV consignment coverage, do not hesitate to contact Poliseek RV. We can offer you a great policy at an affordable rate. Contact one of our sales representatives today at 866-540-7335.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

One Thing many people don’t realize about a “standard” homeowners insurance policy, is that it may limit coverage on some especially valuable items that you may own. These items could include jewelry, rare musical instruments, furs or even collectable antiques.

In order to fully protect your valuables, you should learn more about an addition to your policy, called a floater. When you add a floater to your policy, it will increase your premium, but it is the only way to make sure you can get full reimbursement or replacement for your high value items.

There are a few different options you can choose. If you have single items that are worth more than $2500, you can buy an individual floater for each item. The threshold for the price of an item will vary by insurance company and type of property you wish to insure, so you will need to tell them your specifics when inquiring about a rider.

The other option is for when you have a collection or group of similar items. For a collection, you will want to inquire about schedule coverage. An example of a need for schedule coverage may be for a group of valuable items of jewelry

If you are in need of an additional floater for expensive valuables, please contact a qualified professional at http://www.poliseek.com or call 866-500-7335.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Did you know that on average you are ten times more likely to have a major mechanical break-down than you are to get into a car accident? To prepare for just such an event, you’d be smart to look into getting what is known as Mechanical Breakdown Protection (MBP), especially if the warranty on your car is about to or has expired. Statistics show most mechanical failures occur after the expiration of the factory warranty.

Breakdowns rarely come with a warning and car repairs usually can’t wait. So having Mechanical Breakdown Protection will save you from the scramble and pressure of coming up with cash for any costly repairs. And this “peace of mind” costs less than your daily cup of coffee over the life of the plan.

There is a simple formula you can use to determine whether MBP is a good fit. First, take into account the age and miles on your vehicle. Then, consider the cost of replacing some of the bigger systems or parts on your car: the engine, the transmission, the air conditioner or a combination of repairs. Finally, ask yourself if you have the money to pay for these expenses if they were to occur.

Keep in mind, going with a MBP typically saves you more money than purchasing an extended warranty and provides you with more coverage and benefits. Visit our site to find a Mechanical Breakdown Protection policy that fits your needs.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.