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So your car had eggs thrown at? Or how about a flying pumpkin that came crashing down on your car? Ok so we all know that around Halloween time kids and even some adults are always doing something they shouldn't be. Its so crazy how you come outside and you find your car completely vandalized. We all know it happens and the only honest way to prevent it is to put it safely in the garage. So now your thinking what do I do next? Well lets say you have full coverage insurance. Well lucky for you just like any other day your insurance will cover any damages done to your vehicle. This comes in handy especially for people who just bought their car or are financing it. What you would have to do next is make a police report and then after you make the police report call your insurance company after that and make a claim. Your insurance company will then ask you information like the basic 5 who,what,where,when, why? After you finish making the claim then your insurance company will usually send out a adjustor to see how much it will be in order to fix or repair the car. So as you can see having full coverage is a additional benefit rather then than just having liability and having to pay out of pocket that is need if your vehicle does get vandalized.


How about you take your kids trick or treating and they go up the stairs and ring the doorbell and as soon as the door opens a dog comes running out. So now as the dog comes running out he bites one of your kids and say its a deep wound and you need then have to take them to the hospital for stiches. Well you decided to sue the homeowners for the hospital bill. Well for the homeowners getting sued they have homeowners insurance so they will be covered. Some homeowners insurance will not cover dog bites depending on the type of the breed of the dog but as you purchase the insurance you will know you animal will be protected or not. If your homeowners insurance will not cover your animal you would then need to purchase an additional insurance for your dog to be covered for any situation that may occur.


Did you decide to get away from the trick or treat's and not have to worry about your door bell ringing all night, but then came back to find that some one had broken in to your house? Did they steal your stuff or did you household items get broken in the process of them looking for your valuables? Has to be one of the worst feeling's and incidents to deal with but 1 out of 5 people it happens to. But if you have homeowners insurance no need to worry you must also show proof of your belongings and make a police report to start a claim with your homeowners insurance you will be covered and protected. Homeowners insurance is a great thing to have especially with a company that you can trust. They will cover you in case of a fire or anything that happens to your home.

By Marcella Berent
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