Tighten Your Family's Security With An Extended Coverage Insurance

There is another kind of insurance that goes beyond the coverage of your basic policy, people from the insurance business calls this Extended Coverage. What is common about basic insurance policies is that they always have exclusions, that there are some things that they just don't cover. Now if you want to have these exclusions included in your policy you can get an Extended Coverage (EC).

There are many kinds of insurance lying around, grabbing one of each kind still doesn't guarantee that you're covered for special circumstances. What it really comes down to is the fine print, you will be surprised just how closely to the letter insurance companies follow policies, for instance there's a great difference between damages caused by a hurricane and damages caused by flooding due to a hurricane whereas if you're covered for one but not by the other then you might find yourself in very dire straits.

Some of the provisions incorporated are:

Flood insurance, it may have to be specified what natural disaster would cause the flooding
Hailstorm insurance unless otherwise already specified in your basic policy
Earthquake insurance, this can happen to anyone
Extended Title Insurance, for things not usually covered like encroachment issues and defective titles
Extended medical insurance, if you have to get any major surgeries
Extended dental insurance if your teeth requires some extra care

There are a lot more not mentioned. You will even find some extended policies where you can add and discard riders to suit your particular needs.

Getting a more extensive financial coverage is also possible under "Extensive Coverage" if you think your basic policy wouldn't be enough to cover your financial losses. When a hurricane hits, it's not only your home that is affected but quite a large area, as result building material and services become more expensive due to the demand, with the Extended Coverage you can get your insurance company to cover this added cost as well.

There are certain areas in our world that is just prone to certain kinds of disaster, and it would be in your family's best interest if you prepare yourselves for these occurrences. The initial thing you can do would be to read your policy again from top to bottom, determine which ones you might need and which ones would need refining or extending. Your broker would be a good source of information, not only would he be familiar with the lingo, he also has a broader knowledge of the kind of coverage prevalent in your area and which ones are more useful.

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