AAACovered or Not

Home Edition

Jessica RamirezP&C Insurance Agent

In this very rainy season, an insured is awakened to a loud crash and this new version of a tree house…

What coverage if any will AAA provide?

El Nino Strikes…. Covered?

1) Funds to rebuild the home. AAA insured the property up to 150% of replacement cost

2) Replacement cost for personal property NOT cash value.

3) Loss of use: AAA will help with a place to stay while the home is being repaired.

FUN FACT:

Building Code upgrade coverage is included in each home policy for 25% of the amount of Coverage A (dwelling converge)

If you said YES, then you are correct… this is how AAA can help.

In the madness of cleaning up after a lovely dinner party, you forget to remove your precious ring…

Down the garbage disposal it goes and it mangled it became. Can AAA help ?

Engagement Ring eaten by the garbage disposal… Covered?

1) The insured added the ring as a separate amendment from other personal property coverage.

2) The insured gave AAA an appraisal or receipt of purchase no more than 2 years old.

FUN FACT:

When items are protected this way there is no deductible to replace it.

If you break it AAA can buy it!

The answer COULD be yes… IF

Ever park you car and have that sinking feeling… then the questions start.. Did I lock the door? Did I leave my purse

out? .. No just the laptop that someone helped themselves to… how kind..

I could have sworn my laptop was in my car ….. Covered??

Personal property is NOT covered with in an auto policy.

BUT…

With your homeowners policy this WOULD be covered under your personal property coverage and is subject to the deductible.

FUN FACT

If you are not a homeowner, do not fear.. A renters policy will provide the same coverage.

Renters and Homeowners policies also protect items in a storage facility.

The answer COULD be yes … IF

The thought of being woken up at night by a house fire is scary in it of its self.. Now that you and the family is out safe.. How will you get to the hotel ?? Are you covered?

When you realize your get away plan won’t work…. Covered?

There is no coverage for a car in your home policy.

If your car has comprehensive coverage in place the auto policy will help.

FUN FACT

Comprehensive losses do not increase your auto insurance premium. Often times these occurrences were out of your control.

Unfortunately .. NO.

Your out enjoying a lovely afternoon on the greens and in your extreme focus on your swing , you failed to

warn the players in front of you ….Are you covered?

When your warning call of FOUR.. Came too late… Covered??

Both Homeowners and Renters insurance policies have this coverage.

Personal liability is not just for the trip and falls in your home. This coverage will follow and protect you while you are out and about living life.

FUN FACT

Liability claims are not subject to deductibles.

Renters: Liability will also protect you if a loss occurred to your home that was your fault.

If you said YES then you are correct. This is how AAA can help..

With the proper insurance policy in place this house becomes more than a home. It has the ability to protect you and your

family from financial catastrophe if we look at the big picture.Thank you

This structure can be more then a safeguard against the elements… If you let it..