Vangold's Insurance

An insurance expert can recommend the insurance that is most important in your life. Many people have limited budgets, so it's helpful to rely on an expert to pick out the policies that are most important.

Does your home have a swimming pool? Did you know that umbrella insurance can help to protect your finances and assets if someone has an accident in your pool? If an accident occurs, extra umbrella insurance can make sure you are covered.

Did you know that the only way to ensure life insurance will be in force when you die is to have permanent life insurance? An insurance expert can offer the pros and cons on term and permanent life insurance.

You can be liable for injuries on your property even if they’re uninvited; for example, if neighborhood kids jump your fence while you’re out of town and hurt themselves in your pool. This kind of unexpected occurrence is the exact kind of thing umbrella policies protect against.

Insurance companies want to save you money on your automobile insurance. Take a few minutes to review your policy with your agent. He or she will point out any adjustments that can be made to lower your payments.

Did you know that umbrella insurance is an affordable type of extra liability insurance which can protect self employed people who run businesses out of their homes? This type of insurance is especially useful to business like home daycare, catering or repair businesses.

Health insurance policies are not just for emergencies. Some policies now cover corrective procedures like LASIK eye surgery and bariatric/lap band surgery. A periodic visit with your agent will keep you informed as to your full range of coverage.

Not only does an umbrella insurance policy provide you with added insurance, it also brings together various components of your specific insurance needs into one comprehensive policy.

Medical payment coverage in a motorcycle insurance policy covers the medical costs for you and/or your passenger in the event of an accident. The amount is paid to the owner of the policy, and it does have limits.

With umbrella insurance policies, coverage limits will generally start at around a million dollars and can go as high as ten million dollars for qualified applicants. The amount of coverage you need will depend on your specific assets.

If you're looking for new health insurance coverage, make sure to consider your prescription drug, office visit and hospitalization needs. Keeping your premiums low can mean choosing higher copays or annual deductibles.

If you live in a co-op or own a condominium, a regular check of your insurance is important to make sure you have adequate coverage. While there are probably two policies in effect yours and the association's do they provide sufficient protection? For added peace of mind, add an umbrella excess liability policy to cover what the other ones do not.

If you have recently purchased a car and are making monthly payments on it, consider adding a GAP insurance policy to cover the difference between the replacement value of the car and the amount remaining on your note.

Some common endorsements to a personal umbrella policy include being able to remove coverage for watercraft or RVs if you do not own them.