{"id":2073,"date":"2013-07-23T08:24:01","date_gmt":"2013-07-23T12:24:01","guid":{"rendered":"http:\/\/antipaucity.com\/?p=2073"},"modified":"2013-07-23T08:24:01","modified_gmt":"2013-07-23T12:24:01","slug":"check-your-home-auto-and-plp-insurance-policies","status":"publish","type":"post","link":"https:\/\/merikebi.warrenmyers.com\/?p=2073","title":{"rendered":"check your home, auto, and plp insurance policies"},"content":{"rendered":"<p>Every few months to year I take a look around to see if anyone can give me a better rate on my auto &amp; renters&#8217; (home) insurance. This month, after 3 years, I found a carrier who could knock about $60 a month off my payment *and* give me more coverage.<\/p>\n<p>Interesting things I learned in this process:<\/p>\n<ul>\n<li><span style=\"line-height: 13px;\">you want a Personal Liability Protection &#8211; &#8220;umbrella&#8221; &#8211; policy<\/span>\n<ul>\n<li>provides coverage over-and-above the limits on other policies you hold<\/li>\n<li>follows you world-wide (at least with my carrier)<\/li>\n<\/ul>\n<\/li>\n<li>individually-scheduled items on a renters&#8217; (or home) policy are covered even if something happens away from home\n<ul>\n<li>say you have your wife&#8217;s engagement ring individually-scheduled\n<ul>\n<li>if she loses it at the beach, it&#8217;s still covered<\/li>\n<li>if it&#8217;s stolen from home, it&#8217;s still covered<\/li>\n<\/ul>\n<\/li>\n<li>the cost of adding individually-scheduled items is a fraction of their cost to you if something goes awry<\/li>\n<\/ul>\n<\/li>\n<li>max-out your auto policy&#8217;s limits &#8211; you&#8217;ll get better rates\n<ul>\n<li>if you carry state minimums (25k\/50k in KY), you will have a higher rate than if you increase your coverage levels (it was a $300\/year difference for me (not that I&#8217;d ever take minimums, but it was still interesting)<\/li>\n<li>the insurance companies factor-in your &#8220;insurance intelligence&#8221; when giving a quote\n<ul>\n<li>if you pay for more coverage, you&#8217;re &#8220;smarter&#8221; about insurance, and less likely to have a claim<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>the company you&#8217;ve been using for years takes all the factors in your driving, credit, and other relevant histories and calculates your risk to them differently\n<ul>\n<li>so shop around!<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>I was with my last carrier since moving to KY in 2010. I don&#8217;t know how long I&#8217;ll have my new one, but for now, increasing my coverage, expanding its scope, and reducing my payments are all great.<\/p>\n<p>I went from 2 to 3 policies (including the new PLP), and am pretty excited (though, of course, I also hope to never need them).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every few months to year I take a look around to see if anyone can give me a better rate on my auto &amp; renters&#8217; (home) insurance. This month, after 3 years, I found a carrier who could knock about $60 a month off my payment *and* give me more coverage. Interesting things I learned &hellip;<br \/><a href=\"https:\/\/merikebi.warrenmyers.com\/?p=2073\" class=\"more-link pen_button pen_element_default pen_icon_arrow_double\">Continue reading <span class=\"screen-reader-text\">check your home, auto, and plp insurance policies<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[13,19,23],"tags":[322,407],"keyring_services":[],"class_list":["post-2073","post","type-post","status-publish","format-standard","hentry","category-finance","category-hmmm","category-insights","tag-finance","tag-insurance"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=\/wp\/v2\/posts\/2073","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2073"}],"version-history":[{"count":0,"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=\/wp\/v2\/posts\/2073\/revisions"}],"wp:attachment":[{"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2073"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2073"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2073"},{"taxonomy":"keyring_services","embeddable":true,"href":"https:\/\/merikebi.warrenmyers.com\/index.php?rest_route=%2Fwp%2Fv2%2Fkeyring_services&post=2073"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}