The first week of August is National Simplify Your Life Week, and so we thought it appropriate to contemplate how your life can be made easier when it comes to our area of expertise: insurance.
Your insurance policies should help relieve worry and prevent financial stress in undue circumstances. To make insurance as simple as possible, and to avoid more stress when you find yourself in an already stressful situation, we’ve recommended some ways to bundle your insurance to make your life easier.
Consolidate Your Insurance Plans Under One Roof
Navigating the language of each policy and its coverage is difficult. With one agent, you have a point-person you can contact with your questions, and who will really understand your goals and concerns.
Should something out of the ordinary occur, your agent will be able to work with you side-by-side to work through your claim. If you live in California, Colorado, Idaho, Oregon, Washington, or Wyoming, Grange Insurance Association (GIA) has agents available who can help you to centralize the various kinds of insurance you need—whether that’s homeowner’s, renter’s, auto, or farm insurance.
Make Sure You’re Covered Anywhere, Anytime
Another way to simplify your insurance is to get a plan that offers broad coverage. Umbrella insurance provides coverage for instances that other specific policies don’t.
Let's say you live in Idaho but travel out of the country often for business. In that case umbrella insurance is ideal. As the name implies, umbrella insurance is designed to be a personal safeguard anywhere, anytime. Limit is for a GIA umbrella range from $1 million to $5 million above other personal insurance limits. They can help in situations such as automobile liability for bodily injury or property damage, even if outside the country. They can also provide protection for lawsuits and legal costs in situations not necessarily covered by other plans, such as those relating to libel, slander, invasion of privacy, or defamation of character in public or on the internet.
Get Coverage for Your Specific Needs
Another way to simplify your insurance is to select plans for your life’s specific liabilities.
Orchard and vineyard insurance are just a couple of examples of more specialized policies. Owning one of these operations is a multifaceted enterprise that has specific liabilities, and your policy should address these specific needs. Luckily a GIA agent can help you supplement staple policies with these more specialized types to support your livelihood or hobby.
Whether you have orchard insurance for your farm in Oregon or vineyard insurance for one of Idaho's many wineries, you're covered in case of damage to physical structures on the land, like dwellings, outbuildings, and farm buildings beyond standard homeowner’s insurance.
Additionally, these plans protect farming necessities like farm equipment, supplies, harvested products and animal stock. You can add further coverage for spoilage of perishables, loss of refrigeration, breakdown of equipment, contamination, and public power outages that compromise your yield.
Consolidating your insurance into one bundle with one agent is one way to make sure your life is just a little bit easier this year. Learn more about our lines of coverage at our site. You can also meet with a Grange Insurance Association agent near you, or connect with us on LinkedIn.
The content available via Grange.com is for informational purposes only and may not be used for any other purpose. Content provided or expressed on Grange.com, including that of third parties, may not reflect Grange Insurance Association’s (GIA) policies or conform to any agreement you may have with GIA and its subsidiary companies. Please contact a licensed insurance agent to obtain particular advice.