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Insurance Products- Other Personal Insurance
At Denvers Insurance Agency, we offer specialty products. We understand that sometimes we people need more than just auto and home insurance. Thats why we always offer extra's such as personal article floater insurance. It is a simple way to keep high value items insured, more then just beyond the limited 2500 dollar limit on jewelry on most home insurance policies. Please take a look at what else we offer.
Policy Types
Personal Articles Floater
Provides an individual insurance policy for high value items. This includes jewelry, furs, guns, coins, and other items.
Personal Injury Coverage
Protects you againts defamation and other wrong doings of the type.
Indentity Theft Coverage
Provides insurance in the event your indentity is stolen.
Umbrella Insurance
Get an extra layer above and beyond your auto and home insurance liability.
More Details on Umbrella Insurance
Refers to a liability insurance policy that protects the assets and future income of the policy holder above and beyond the standard limits on their auto and home insurance liability. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally used and exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than auto and home insurance.
More About Identity Theft Insurance
A number of home insurance companies cover identity theft as a part of their insurance policy, as an endorsement. With most policies, this coverage provides the victim reimbursement for expenses lost during the process, including phone bills, lost wages, mailing costs, and pre-approved legal fees. Fraud specialists are provided to walk the victim through the process of putting their identity in good standing.