首页 »
“计划就是把未来带到现在，这样你就可以现在就做些什么。.- Alan Lakein
首页 »
路易斯维尔，肯塔基地区的个人保险.
你的线上最大的娱乐平台意外损失, 首页, 个人财产，甚至是生活都可以很快地得到个人财产，并带来毁灭性的后果. 线上最大的娱乐平台可以帮助您以最优惠的价格找到最好的保护，从而获得无价的安心.
理解保险而不是让你睡不着觉.
与线上最大的娱乐平台的交互式图形点击覆盖如下, 你会找到独一无二的, 简单和有趣的方式探索保险覆盖，可能对你很重要.
看到信誉最好的十大娱乐平台
联系信息
contact@click.gmurali.com
选择一种首选的方法
开始报价
*线上最大的娱乐平台、家庭 & 租房者只. 并不是所有的价格都能在网上买到. 线上最大的娱乐平台，确保你没有错过线上最大的娱乐平台最好的价格.
哪种保险方案适合你的家庭?
探索如何拥有正确的保险可以保护你免受意外.
火
风险因素
大多数火灾都是毁灭性的. 除了情感上的影响，你的家可能会受到严重的物理伤害. 如果你的房子在火灾中失去了，你有足够的保险来更换你的房子和里面的东西吗? 还记得, 建筑材料和建筑成本的通胀率很少与房地产价值同步. 因此，重建房屋的成本往往比预期的要高得多.
解决方案
确保你的房主的保单包含没有上限的重置费用. 如果你的房屋重建成本高于你目前的保险限额，这将保护你. 并且，确保您的保险包括按代码重建您的住宅. 通常情况下，地方法规和建筑规范会随着时间的推移而改变，这可能需要额外的成本.
个人财产/内容-财产损害
风险因素
当你的家因意外事件受损时，你的个人财产也会受到威胁. 家具, 电器, 服装, 电子产品, 其他个人物品也可能被损坏或销毁.
解决方案
你的房屋保险通常包括个人财产, including the contents of your 首页 and other personal items owned by you or family members who live with you. Make sure your 首页owners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
额外生活费用/使用损失
风险因素
当由于闪电等意外事件造成房屋严重损坏时, 火, 或者一个风暴, you may not be able to live in your 首页 until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, 食物, 和其他日常需求.
解决方案
Ensure that your 首页owners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
宝贵的财产
风险因素
通常, 对于有价值的财产，房屋业主保险有一个附加限额, 如珠宝, 皮草, 美术, 和其他收藏品.
解决方案
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
医疗费用
风险因素
如果有客人在你家受伤, 即使是一场棒球友谊赛, 你可能需要支付与他们受伤相关的任何医疗费用.
解决方案
Your 首页owners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. 如果有人在你的财产上受伤并需要医疗照顾, 你可以向保险公司提交受伤相关的医疗费用. 医疗费用的支付通常不会对你提出责任索赔.
个人责任
风险因素
万一有人在你的地盘上滑倒了, 你和你的家人可能要为由此造成的任何伤害负责.
解决方案
Your 首页owners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. 然而, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
各种各样的保险
风险因素
后院的蹦床带来的乐趣也可能伴随着严重的风险, which may not be covered under your standard 首页owners insurance policy since coverage varies from state to state and between insurance companies.
解决方案
你应该确保你的房主的保险包括你的蹦床, 因为许多保险公司拒绝承担蹦床责任，并将该项目排除在保险范围之外.
人身伤害/诽谤
风险因素
年轻人通常在网上非常活跃. 然而, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, 父, 一个诉讼.
解决方案
Your 首页owners insurance policy includes liability coverage for property damage caused by any member in the family, 但可能不包括损害声誉的谣言或声明. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.
雨伞/超额责任保险
风险因素
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. 经过长期的法律斗争，他们聘请了一名律师代表他们, 你和你的家人要为他们的伤害承担经济责任. 你有足够的存款来支付你的法律责任和法律辩护费用吗?
解决方案
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, 船, 或者房主政策——提供真正的金融价值, 以及无价的心灵安宁. Excess liability insurance is available either by an endorsement to your 首页owners policy or available as separate coverage.
洪水覆盖
风险因素
你不必住在水体附近，因为洪水而遭受损失. 随着气候模式的变化和全球范围内破坏性风暴的发生, 在那些通常不容易遭受洪水破坏的地方，洪水损失正变得越来越普遍. 你的房主保险不包括洪水造成的损失. 你的家会有危险吗?
解决方案
Purchase a flood insurance policy to protect your 首页 and covered contents from certain types of flood losses as designated by the National 洪水保险 Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
二次回家
风险因素
拥有二手房可能会增加你的负债风险.
解决方案
Be certain that you extend the liability coverage under your 首页owners policy to include your secondary 首页. You should also consider including the secondary 首页 under an excess liability or umbrella policy to provide for additional liability limits.
收集器的线上最大的娱乐平台
风险因素
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. 即使储存在你的财产中，它们通常也不包括在你的业主保险中.
解决方案
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
葡萄酒收藏
风险因素
如果你是葡萄酒鉴赏家, 你知道它很容易受到外部环境的破坏. 如果收藏品损坏了，你的房主的保险是一个可能的追索权. 然而, 只有在保单中列出的损失原因包括在内的情况下，损坏才可保. 免赔额也适用.
解决方案
如果你有相当多的葡萄酒收藏, 你可以考虑在你的房主政策中安排收缴时间. 这样做可以扩大你的保险范围，并消除万一发生损失时的免赔额. 你也可以考虑对葡萄酒进行特殊的保险，例如对腐败进行保险.
水的破坏
风险因素
无论是从外面进入洪水还是从你家的管道系统, 水灾是造成房屋损失的最常见的原因. 许多政策排除了下水道和排水沟的备份造成的损失, 所有未经批准的房主政策都不包括洪水造成的损害.
解决方案
仔细的检查是必要的，以保护你的家和财产免受所有水源的破坏. 线上最大的娱乐平台推荐保险公司的保险解决方案，包括下水道和排水系统的备份. 此外，首先要确定具有成本效益的解决方案，以解决洪水破坏的风险.
远程盗窃
风险因素
令人惊讶的是, 标准的线上最大的娱乐平台保险不包括个人财产或线上最大的娱乐平台被盗物品.
解决方案
大多数房主保单都提供一种选择，将房屋外盗窃保险作为一种背书, 包括你在住所外盗窃个人财产的费用吗.
线上最大的娱乐平台保险
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. 线上最大的娱乐平台会确保你能以你能承受的价格得到你想要的保护.
交互式图形
越野车辆保险
Your off-road vehicle needs protection that's different from what your auto or 首页owners insurance can provide. 在您探索的过程中，线上最大的娱乐平台将帮助您和您的越野车保持安全.
经典的线上最大的娱乐平台保险
你珍视的收集车代表你的时间和资源的真正承诺. We'll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.
婚礼上保险
Wedding insurance is a specialized type of event insurance that allows you to keep the stress out of your big day!
洪水保险
仅仅因为你不住在洪水风险高的地区，并不意味着它永远不会发生在你身上. We'll provide the specialized coverage you need to help protect your 首页 from rising waters—even if you're not in a flood zone.
伞式责任保险
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard 首页owners and auto policies. 线上最大的娱乐平台将帮助保护你未来的财务状况.
交互式图形
高净值保险
拥有巨额资产的人有独特的风险. High net worth insurance is a customized policy type that protects clients from these risks—from 首页 insurance to travel insurance and much more.
交互式图形
孩子人寿保险
没有人愿意考虑那些不可思议的事情，所以谈论儿童人寿保险是很困难的. 但是，这种类型的保险也有你可能没有意识到的好处. We'll talk you through the basics of a child life insurance policy to help you decide if it's right for your family.
长期护理保险
Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. 线上最大的娱乐平台会帮你做好准备，以防不测.
补充医疗保险
医疗保险补充保险可能看起来复杂而混乱. It is also important to make the proper choice right out of the gate to minimize possible changes down the road. 线上最大的娱乐平台的授权员工可以帮助您制定最适合您长期愿望的计划.