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Here are some of the most unlikely (and weirdest) insurance coverages.

When people think of insurance policies, they think of home, car, or business coverage to protect them from likely circumstances that may drain their finances. Without having insurance, many are left vulnerable to the worst outcome that can happen.

While many cover the basics, others protect from the unlikely and downright strange. Though many may never need this insurance, they may be one’s left smug after such a bizarre event.

Take a peek below on just what insurance can cover:

Haunted House
Haunted house attractions started popping up in the U.S. in the 1980s, as parents sought out alternative spooks than trick-or-treating. Those who run a haunted house attraction must have the general liability coverage for third-party visitors. Reports claims for haunted houses include wrongful death when a teen with asthma suffered a horrible reaction from fog machines to a St. Louis haunted house!

Alien Abduction
For those that do believe in aliens and fear that one day they will suffer from an abduction, there are policies that can protect from this event. Believe it, or not!

Werewolf/Vampire/Zombie Attack
Lloyd’s of London has reported selling policies to protect customers from a zombie apocalypse, werewolf or vampire attack. Many think a zombie war is imminent but perhaps they’ve been watching too much of The Walking Dead.

Change of Heart
Skipping to a very real occurrence: a partner changing their mind last minute on their wedding day. Wedding insurance provides coverage for things that could go wrong leading up to or on the Big Day, including a runaway bride.

Body Parts
Celebrities are notorious for insuring their most unique and noticeable features. Bette Davis’ insured her waist, Bruce Springsteen insured his voice, Julia Roberts’ smile, and Taylor Swifts’ legs.

While you’re thinking that none of these insurances apply to any of your lifestyle situations, for all of your necessary, effective, and normal insurance services, contact Global Financial in Irving, Texas!

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5 of The Weirdest Insurance Policies Available

Motorcycle Insurance Irving TXYou finally purchased the motorcycle of your dreams, now it’s time to insure it!

Before you set off cruising the open road, you need to make sure that you have the right motorcycle insurance policy. It’s always a good idea to know the basics of coverage so that you know exactly what you are looking for in a policy, and what you get for the coverage.

Here’s a breakdown of the type of coverage which you can typically choose:

  • Bodily injury liability
    If you cause an accident in which someone in another vehicle or a pedestrian is hurt, this coverage can aid the medical expenses that would arise from the accident.
  • Property damage liability
    If you cause an accident that damages a person’s property, such as a vehicle or building, this can help pay for repairs or replacements.
  • Medical payments
    If you or your passenger are injured in an accident and need medical attention, you can expect the policy to pay for part or all of the medical costs.
  • Personal injury protection
    Regardless of fault, this coverage can aid the costs resulting from an accident. This can include lost income, medical bills, funeral costs, and child care expenses.
  • Collision
    If your beloved bike is damaged due to a collision with another bike, car, or structure, collision coverage can help pay for repairs to get your bike back on the road again.
  • Comprehensive
    This covers damages and loss from theft, vandalism, hail and more!
  • Uninsured or underinsured motorist bodily injury
    Not every driver on the road is adequately insured, or insured at all. If you or your passenger were to be injured in an accident by this driver, this coverage can help pay for the damages and injuries.

Now that you know the basics of motorcycle insurance, be sure to talk to one of our skilled agents at Global Financial & Insurance Services in Irving, Texas. We can provide the correct coverage for you and your motorcycle so that you drive the open roads worry free! Contact us to get started!

Motorcycle Insurance Irving TX

What Coverage Means for New Motorcycle Owners

Auto Insurance Irving TXA Few Ways To Lower Your Premiums

Even knowing full well that you need auto insurance to protect you out on the road, you probably do not love paying your premiums each month. What if we told you there was a way to get the auto insurance you need at the price you deserve? To help you discover the best auto insurance premiums, we have compiled this list of easy ways to slash your rates.

  • Pick The Right Car: The next time you are shopping for a vehicle, look for one that comes fitted with safety features like anti-lock brakes and anti-theft measures. Since your safer vehicle will be less likely to get stolen or get into a serious accident, it will cost less to insure.
  • Get Educated: Talk to your auto insurance agent to see if completing a safe driver course could help you lower your premiums. While these courses are more traditionally taken by teens and seniors, they are great for drivers of any age!
  • Park In The Garage: When you park your car in the garage, you better protect it against the elements and against thieves. Make the space to park in the garage and then let your insurance provider know. This could help you cut your insurance costs.

Want to work with an insurance expert who can help you dig out every discount? To get great coverage at a great price, contact Global Financial & Insurance Services. Serving Irving and the surrounding Texas area, we are here to help you get the right auto insurance with the right auto premiums. Call us today!

Auto Insurance Irving TX

How To: Lower Your Auto Insurance Rates

Home Insurance Irving TXReasons You Might Need Homeowners Insurance

If you are in the process of shopping around for home insurance, you are probably asking lots of questions. How much is my stuff worth? Do I need any additional coverage? How, exactly, does it protect me?

If you are like many people, you have secretly asked another question: do I really need it? To help you answer that, here are a few reasons you might actually want home insurance.

  • You Lender Makes You Get It. Well, this reason might not have so much to do with want as need, but it is a great reason to get coverage. In many cases, your lender will not finance your home unless you protect their investment with home insurance.
  • You Have Invested A Lot. Have you ever made a purchase bigger than your home? You can protect all of the equity you have wrapped up in your home with home insurance, ensuring that all of the money you are investing in your home is never swept away.
  • You Have Stuff. On top of the structure itself, there is probably a lot of value collected in all of the belongings you store in it. The great news is your home insurance offers coverage for the stuff you keep in your home (up to your policy limits).
  • You Like Sleep. Stop tossing and turning at night and get peace of mind with home insurance. This policy will help you rest easy knowing that no matter what life brings your home’s way, you will not face a financial difficulty.

Clearly, there are some cases in which home insurance is very important. That is why you should not go to just any insurer to get your coverage. To work with a knowledgeable team who is truly committed to protecting you, contact Global Financial & Insurance Services in Irving, Texas. We are here to craft the perfect home insurance policy for your needs.

 

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Does Home Insurance Really Matter?

Jewelry Insurance Carrollton, TXAre Your Precious Gems & Metals Protected?

When you think about your valuables, your jewelry probably comes to mind immediately. In these tiny belongings, immense sentimental and financial value is stored. Consequently, you have probably given some level of thought to what would happen if they were damaged or stolen.

That might have left you wondering if your homeowners insurance coverage can protect your jewelry in the same way it does your other belongings. The answer is yes and no. While your home insurance policy does extend some coverage to your jewelry, it likely has limits on just how much. That means that if you have valuable jewelry, you will need separate or extended coverage to protect it.

Fortunately, you can work with your insurance agent to schedule your individual items of jewelry into your existing homeowners insurance policy. Scheduling items is generally very inexpensive (think $1 or less per every $100 of coverage) and will extend more than just your policy limits. When you schedule an item into your policy, you generally protect it against loss as well as theft. That means that by specifically covering your individual items of jewelry, you protect against not just theft or damages to your home, but also against your own moment of carelessness. We all make mistakes; why not safeguard against them?

Are you leaving your precious jewelry exposed? To get the right protection for your precious gems and metals, contact Global Financial & Insurance Services. We can tailor an insurance product for you that allows you to insure your jewelry with no deductible. Just imagine the peace of mind that comes with knowing you could replace your wedding ring without an out-of-pocket expense! To learn more about how we can help you rest easy in Irving, across Texas, and beyond, call us today.

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Investigating Insurance For Your Jewelry

Boat Insurance Irving TXIs Your Boat Properly Protected?

Since your boat is a part of your personal property, you may assume that it is protected by your homeowners insurance. Unfortunately, that is a common misconception that could leave you sunk financially. Generally, homeowners insurance and auto insurance policies do not cover your liability, possibility of theft, or physical damage.

How, then, do you stay safe out on the water, at the dock, and in tow? To best protect your boat, insurance agencies have created a product specifically for it- boat insurance. Boat insurance is important to carry as a boat owner because it protects you in three definite areas.

  • At Your House: While there is a chance your homeowners insurance will cover your boat while at your home, your boat insurance will offer protection for the other assets on your boat, including your anchor, navigation system, and life jackets.
  • On The Trailer: Although your auto insurance policy may cover the trailer on which you tow your boat, it is important that you talk with your insurance agent to discern if your boat will be covered while it is en route to the water.
  • On The Water: Are you and your passengers protected while out on the open water? So you can have the peace of mind you need to relax on the water, boat insurance can step in. This type of coverage ensures that any physical damage and liability will not become an expense you have to cover.

Fortunately, getting the boat insurance you need to rest easy no matter how the waves (both literal and figurative) buffet is simple. To get the best coverage for your boat, contact Global Financial & Insurance Services. Our team of experts is here to meet all of your Carrollton, Irving, and Stafford coverage needs. For all of your Texas boat insurance questions, call us today!

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Anchoring Your Boat With Insurance Coverage

Earthquake Insurance Carrollton, TXA Basic Overview Of This Coverage

Earthquake insurance is a type of coverage most people say they want, but few actually have. Why? Because many homeowners assume their home insurance coverage includes protection against a quake. In fact, though, most standard homeowners insurance policies do not protect against movements of the earth, including landslides and earthquakes.

This is problematic, as seismologists say that a major earthquake will definitely occur in the next 25 years and should that quake occur in a populated area, it could cause up to $200 billion in damage.

Do not leave yourself exposed to the possibility of an earthquake shaking the financial foundations of your life. While earthquake insurance can be costly in quake-prone areas like California, it does not have to be unaffordable! In fact, when you talk with a local Texas agent about getting your coverage, he or she will be able to help you get the most cost-effective protection against earthquakes.

Unless you are in a position where you would be able to easily cover the cost of rebuilding your home and replacing all of your personal possessions, you should seriously consider carrying a separate earthquake insurance policy in addition to your existing homeowners insurance coverage. This policy will help you rebuild your home, repair or replace your belongings, and even help you cover the cost of other living arrangements in the meantime.

To learn more about how you can protect your home against an earthquake, contact Global Financial & Insurance Services. We are educated about the exact level of exposure you face in Irving and can help craft the right earthquake insurance policy to protect you. Getting full coverage for your Texas home does not have to be a hassle; we are here to create the right insurance portfolio at the right price!

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Earthquake Insurance 101