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Extending Home Coverage Using Scheduled Items and Riders

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New Orleans, LA residents are well aware of the damage that weather can cause. At Multisurance, we remember the aftermath of Hurricane Katrina and aim to help our customers prepare for future natural hazards. Your home insurance policy provides personal property coverage up to about $1,000, but you can increase this amount using riders, add-ons, and by scheduling items.

Understanding Personal Property Coverage

The small amount of personal property coverage that automatically comes with a home policy must cover your furniture, clothes, jewelry, etc. Some insurance policies allow you to increase the personal property component up to $5,000.

Most people don’t get enough personal property coverage unless you add coverage through riders and scheduling items. A rider to a policy adds custom coverage to a standard policy. When you schedule an item, you list it specifically with standalone coverage that pays for its replacement cost if it gets damaged or stolen.

Rider Example

Individuals who own a home-based business might add a home business rider to their homeowner’s policy to cover their business equipment, inventory, and other work-related items. Other riders include those for earthquake coverage, sinkholes, and pet damages.

Scheduled Item Example

Many people own only one or two pieces of expensive jewelry, so they choose to schedule each piece on their home policy. Typically, they list their engagement ring and wedding band or their engagement ring and anniversary ring. You can also schedule hobby equipment, such as camera equipment, guitars, etc.

Contact Us for an Insurance Review in Louisiana

Call or email Multisurance today for a home insurance review. Let us help you ensure that your homeowners’ policy protects everything in your New Orleans, LA, home.

My Classic Car Has Aftermarket Car Parts: Am I Covered?

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If you’re a classic car collector and enthusiast, protecting your precious investments is a priority. However, understanding classic car insurance can be complex, especially when it comes to aftermarket car parts and customizations. Here’s what you need to know about classic car insurance, aftermarket car parts, and other customizations. Ready to find the right classic car insurance policy? Start your coverage journey with Multisurance in New Orleans, LA.

Does Classic Car Insurance Cover Aftermarket Car Parts and Other Customizations?

Regular auto insurance policies typically don’t cover customizations. You might assume the same applies to classic car insurance, but it’s actually the opposite. Classic car insurance is designed to cover older vehicles, including customizations and aftermarket parts. Unlike average auto insurance policies that provide minimum coverage, the goal of classic car insurance is to protect collectibles. So, if your classic car has aftermarket parts or other non-original components, don’t worry. You can get the coverage you need!

Explore Classic Car Insurance With Multisurance

Classic car insurance is crucial for protecting your investments. At Multisurance in New Orleans, LA, we’re here to help you secure the right classic car insurance policy for your investments. Compare quotes with us today!

What perils does recreational insurance cover?

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New Orleans, LA, residents know first-hand the many types of damage a hurricane can cause. Does your recreational insurance protect your boat from wind damage? Does it protect your ATV from flood damage? In this Multisurance blog, we’ll consider the perils covered by recreational insurance and how you can add optional coverage for improved protection.

Protecting Your Financial Investment in Your Recreational Toys

The state-mandated liability insurance on your RV covers other drivers on the road. Only by adding comprehensive and collision coverage to the recreational policy do you receive coverage for damages to it. Collision and comprehensive recreational coverage protect your financial investment in your boat, RV, ATV, Seedoo, etc.

Comprehensive Coverage

Comprehensive coverage pays for damage to your recreational toy when specific perils damage it. Typically, it covers your loss from theft, fire, vandalism, falling objects, glass breakage, and weather-related damage, such as wind, tornado, lightning, etc. You choose your deductible when you set up your policy. Once you pay the deductible to the repair shop to fix the damage, the insurance company pays the rest.

Collision Coverage

Collision coverage protects your RV, boat, and other land or watercraft in any collision. If you cause an accident, it pays for the repairs to your recreational toy. If someone uninsured damages your toy in an accident, it covers the repairs. Collision also covers damage caused by a single-vehicle accident and an animal, such as a deer running out in front of your ATV.

Other Optional Insurance Coverage

Recreational insurance also offers many other ways to protect your toys. Consider the following optional coverage types:

  • Replacement cost personal effects
  • Total loss replacement
  • Recreational vehicle medical payment coverage
  • Special windshield deductible
  • Vacation liability
  • Emergency expenses
  • Medical payments
  • Cost replacement for fishing equipment
  • Wreckage removal
  • Fuel spill liability
  • Cost replacement for personal effects
  • Roadside/Boatside Assistance.

Recreational insurance offers many options, so you can build a policy that perfectly protects your liability and physical property and pays your medical bills if you’re injured in an accident.

Contact Multisurance Today

Don’t wait! Contact Multisurance today for a recreational insurance review. Let us help you fully insure your recreational toys in New Orleans, LA.

The Difference Between Homeowners and Condo Insurance

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For condo owners, arguably, the most critical requirement is an insurance policy that protects them against financial losses from unforeseen damages to their units. The dedicated team at Multisurance in New Orleans, LA, can help elucidate the differences between homeowners and condominium insurance.

Define Condo Insurance

Condo owners require insurance coverage to protect not just the interior of their units but also their personal belongings. This differs from a homeowners’ insurance policy, which offers broader coverage. Homeowners are typically liable for all incidents occurring on their property. A standard homeowners’ insurance policy includes dwelling insurance coverage that protects the home, unattached garage structures, and other property structures from extreme weather conditions like fires, rainfall, hail, or ice storms. Like homeowners, condo owners can tailor their policy to include similar coverage that repairs all damage and replaces all personal items lost.

What is Condo Association Insurance Policy?

Most condominium owners maintain two separate insurance policies for their units: a personal condo insurance policy and a condo association insurance policy. While both protect your condo, a condo association insurance policy’s coverage is primarily for damages to the exterior. This includes the condo’s roof, siding, and common shared areas like walkways and backyard walls with other residents. It’s worth noting that you might have the ability to negotiate an extension of the association’s insurance coverage to include outside fixtures, interior walls, and ceilings, but it’s not guaranteed.

Loss Assessment Coverage

A savvy addition for condo owners is to include loss assessment coverage in their existing condo insurance policy. This offers protection against any personal payment for repairs that exceed the coverage limit of your condo association insurance policy. Once the association’s insurance policy reaches its limit, the owner first files a claim, and the loss assessment coverage is activated.

Condo owners always seek quality insurance coverage specifically tailored to meet their individual needs. The staff at Multisurance in New Orleans, LA is ready to help create a policy that provides lasting protection. Contact us to schedule an appointment today.

What is the Next Step if Denied Life Insurance?

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Life insurance serves as an indispensable safeguard for your family in the event of an unforeseen demise. Unfortunately, not all life insurance policy applications secure approval. At Multisurance in New Orleans, LA, we can help clarify why your application was rejected and guide you through planning your next course of action.

Rest assured, options are still available for you to acquire life insurance coverage.

Review the Denial Letter

Generally, in the case of an application’s rejection, you will receive a letter explaining why your life insurance policy application did not proceed. This letter often contains intricate life insurance policy terminologies that may require further comprehension. Our expert team at Multisurance can help you understand these terms and conditions. This information becomes particularly useful if your application was denied due to a medical condition. During the appeal process, you can submit your medical records indicating that your condition is in remission or is non-life-threatening.

Appeal the Decision

If you disagree with the decision, you have the right to appeal. Instructions on how to file an appeal should be outlined in the denial letter. You will have to provide evidence to support your case. In some instances, you may have inadvertently omitted crucial documents during your application process, which could have resulted in your application’s approval. Your application may have been denied due to the absence of certain records, such as your medical, driving, and financial history. Resubmission of all required paperwork could potentially overturn the initial decision.

Consider Group Life Insurance Policy

If you ever find yourself denied life insurance, remember not to despair; you still have other alternatives. A popular choice among such options is your employer’s group life insurance plan. The application process is relatively quick and user-friendly, with a decision typically made within 24 hours. No medical examination is required for approval. However, be mindful that the coverage ceases if you depart from the company.

Families are searching for the most suitable life insurance coverage tailored to their specific needs. At Multisurance in New Orleans, LA, we offer various policy options that provide lasting security. Contact us today to schedule an appointment.

Why basic auto coverage may not be right for you

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Determining Auto Insurance Coverage with Multisurance

Many people, especially those on a budget, may be tempted to opt for the most basic auto insurance coverage. In Louisiana, that equates to liability coverage of 15/30/25. At Multisurance in New Orleans, LA, we’re here to discuss all auto insurance options and help you determine the best coverage for you.

What Does the State Minimum Cover?

The state mandatory coverage provides $15,000 in injury coverage for the first person injured in an accident and a total of $30,000 for all injuries occurring in an accident where you are at fault. The $25,000 is for property damage coverage. If you’re still financing your vehicle, this basic coverage may fall short for most lienholders, who commonly require comprehensive and collision coverage.

Understanding Collision and Comprehensive Coverage

Collision coverage protects your vehicle in case of a collision with another vehicle or with a stationary object. It also covers your vehicle if you are hit by an unseen vehicle, namely a hit-and-run incident. It comes with a deductible that applies any time you make a claim.

Comprehensive insurance covers your vehicle for damages beyond your control or theft. This includes flooding, hail damage, falling branches, cracked windshields, and vandalism. A deductible also applies to comprehensive coverage.

For many people, their vehicle forms an integral part of their life. If your vehicle were to be damaged or totaled, it could cause a significant inconvenience. Moreover, out-of-pocket expenses for repairs or replacement might be unaffordable. Having the right auto coverage could make all the difference.

Let Multisurance Help You Choose the Right Auto Insurance

Contact Multisurance in New Orleans, LA with any questions or concerns about your auto insurance coverage. We’re here to help you decide on coverage that suits your needs and budget. Give our office a call today.

Why basic auto coverage may not be right for you

Posted on by admin

Determining Auto Insurance Coverage with Multisurance

Many people, especially those on a budget, may be tempted to opt for the most basic auto insurance coverage. In Louisiana, that equates to liability coverage of 15/30/25. At Multisurance in New Orleans, LA, we’re here to discuss all auto insurance options and help you determine the best coverage for you.

What Does the State Minimum Cover?

The state mandatory coverage provides $15,000 in injury coverage for the first person injured in an accident and a total of $30,000 for all injuries occurring in an accident where you are at fault. The $25,000 is for property damage coverage. If you’re still financing your vehicle, this basic coverage may fall short for most lienholders, who commonly require comprehensive and collision coverage.

Understanding Collision and Comprehensive Coverage

Collision coverage protects your vehicle in case of a collision with another vehicle or with a stationary object. It also covers your vehicle if you are hit by an unseen vehicle, namely a hit-and-run incident. It comes with a deductible that applies any time you make a claim.

Comprehensive insurance covers your vehicle for damages beyond your control or theft. This includes flooding, hail damage, falling branches, cracked windshields, and vandalism. A deductible also applies to comprehensive coverage.

For many people, their vehicle forms an integral part of their life. If your vehicle were to be damaged or totaled, it could cause a significant inconvenience. Moreover, out-of-pocket expenses for repairs or replacement might be unaffordable. Having the right auto coverage could make all the difference.

Let Multisurance Help You Choose the Right Auto Insurance

Contact Multisurance in New Orleans, LA with any questions or concerns about your auto insurance coverage. We’re here to help you decide on coverage that suits your needs and budget. Give our office a call today.

Commercial Insurance in New Orleans: What You Need

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A commercial insurance policy can provide crucial support for your business’s financial well-being. One of the most frequently asked questions at MultiSurance is the extent of coverage required. Business owners in New Orleans, LA, often inquire if investing in commercial insurance is necessary and how much they should get. Interestingly, some forms of commercial insurance are mandatory in New Orleans. Here’s what you need to understand about the commercial insurance requirements for your business.

What Commercial Insurance Does My Business Absolutely Need?

As a business owner operating in New Orleans, it’s essential to know that two types of commercial insurance are legally required: workers’ compensation and commercial auto insurance. If you have employees, workers’ compensation is essential as it safeguards your employees in case of mishaps or illnesses that happen on the job, offering protection for you as well. On the other hand, commercial auto insurance protects your commercial vehicles and those who drive them, offering coverage for accidents, property damage, theft, and similar situations. It’s also noteworthy that some policies, like general liability insurance, may not be legally required but could be mandated by commercial property owners.

Secure Appropriate Coverage for Your Needs with MultiSurance

Whether you’re seeking an insurance policy that caters to your basic legal necessities or exploring more comprehensive coverage options for your business in New Orleans, LA, we’re here to help! Get a quote from us today, or reach out if you need any queries addressed before choosing the right commercial insurance policy.

When Should I Update My Homeowner’s Policy?

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You may think that once you have homeowner’s insurance, you don’t need to change your policy. However, there are situations when it’s important to update your policy. At MultiSurance in New Orleans, LA, we offer homeowners insurance. 

Changes to Your Household

You should let your insurance company know if someone moves in or out of your household. Perhaps you’ve given birth or adopted a child. Maybe your child is ready to leave home and live on their own. Anytime the number of people in your home changes, you’ll need to update your policy. 

Buying or Selling a Valuable Asset

If you’ve recently purchased a diamond ring or sold a valuable antique, you’ll need to contact your insurance company. Generally, you’ll need to tell them if you have a high-value item within the home. This ensures that the item is adequately covered. 

Changes to the Value of Your Home 

If you’ve recently renovated your home or increased its square footage, you will need to update your policy. This increases the value of your home, and you’ll want to be sure you are adequately covered. 

If the value of your home changes due to fluctuating real estate values in the area, you should also update your policy. 

Adding Security 

If you install a security system, you should let your insurer know. Security systems decrease the risk of theft and vandalism, which means less risk for you and the insurance company. This may decrease your premium. 

Changes to Your Work Status

This is particularly important if you begin working from home. Most policies provide very limited coverage for business equipment. However, you can increase your coverage with a new policy or a Ryder. 

Homeowner’s Insurance at MultiSurance

If you need homeowner’s insurance in New Orleans, LA, contact MultiSurance. Our experienced agents can help you choose a policy that meets your family’s needs. 

How to Pick Recreational Insurance for a Water Vehicle

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Located strategically alongside Lake Pontchartrain, Lake Borgne, and other noteworthy sailing spots, New Orleans, LA, is indeed a paradise for water lovers. However, before setting out for adventures under the sun, it is key to ensure you have adequate recreational insurance for your water vehicle.

Understanding Recreational Insurance: What’s Covered and What’s Not

Recreational insurance protects your water sports activities, offering coverage for various water vehicles and related equipment, including jet skis and water skis. This kind of insurance covers property damage if your water fun-related activities accidentally harm someone else’s possession. It also includes bodily injury coverage if someone gets hurt due to your water vehicle.

However, recreational insurance does not cover damage dealt to your water vehicle or any water game toys you own. Additionally, this insurance type does not provide comprehensive coverage—your watercraft isn’t protected against potential hazards like theft, vandalism, or severe weather damage. Consequently, while a recreational insurance policy is a boon for regular boaters and water sports enthusiasts, it does not cover all the bases.

Important Factors to Consider When Choosing Recreational Insurance for a Water Vehicle

  • The size and market value of your boat and equipment
  • How frequently do you engage your boat and equipment
  • The size of the policy’s deductible

Trusting MultiSurance for Your Recreational Insurance Needs

With years of positive experience under our belt, MultiSurance has assisted countless New Orleans, LA residents in uncovering and securing the most suitable recreational insurance and other watercraft-related insurance policies. We believe in guiding you through the insurance selection process, helping you pinpoint the finest plans for your equipment, and providing comprehensive policy quotes. You can choose a policy that perfectly aligns with your needs and budget. Begin your insurance journey today with MultiSurance—your valuable assets are worth it.

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