Our Blog

December 20, 2017

Many of us enjoy traveling away from home throughout the year, whether it's for an annual vacation, an upcoming holiday, a honeymoon, or to see the family.  Our trips can take us across the country or across the globe.

Your Homeowners policy covers your home and contents while you're away, but did you know the items you take with you are covered as well?  They're covered anywhere in the world! 

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If your golf clubs are stolen, your luggage is lost, or you experience a hotel theft, your Homeowners policy may cover the loss.  There is a policy deductible and limits to high value items like jewelry, cash, precious metals, and guns so be sure to reach out to your local agent to find out what's covered, if you have enough coverage, and if you need to take additional action to receive coverage.

Your personal liability coverage limit also follows you around the world.  Personal liability covers claims made against you for accidental bodily injury you cause to other people or property damage you cause to other property.  If you unintentionally break a window or kitchen appliance in your rental home or accidentally hit someone with your golf ball while golfing, there is coverage on your Homeowners policy.

Whether you're traveling across town or across the Atlantic Ocean, your Homeowners insurance follows you there.  Happy traveling!

This blog entry is created for informational purposes only.  Any viewpoint or sponsorship of outside parties involved in the blog entry does not necessarily represent Goodville's stance as a company.  The blog should not be used as a substitute for professional advice.

May 01, 2017

Congratulations on your approaching graduation!  This is an exciting time with endless possibilities.  Don’t let an accidental loss delay your dreams; be prepared with the right property insurance coverage.

After graduation your coverage needs will change.  Will you be buying your own vehicle?  Are you moving out of your current state for a new job?  Will you own or rent a home?  These are all factors that will affect your insurance coverage needs.

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1. Auto Insurance

If you plan to buy a vehicle, you will need to purchase your own personal auto policy.  Think about the different ways you could need this protection while using your own vehicle:

• What if you cause injuries to others or damages to other property?
• What happens if your passenger is injured?
• What if another driver has no insurance or not enough insurance?
• What if your vehicle is damaged?
• What if you get injured in an accident?

A typical personal auto policy will address both liability exposures and property exposures.  Liability coverage will protect you from a claim or lawsuit if you have an accident resulting in injury to others or property damage to others’ property.  Physical damage coverage covers damage to your auto.

Auto insurance not only protects you against the financial consequences of an auto accident, it could be the law.  Specific auto insurance requirements vary by state; your agent can help you determine the requirements for your destination after school.

2. Homeowners / Renters Insurance

You also need to think about your new home.  If you buy a home, purchasing a homeowners policy can protect your house and the belongings inside of it.  It can also protect you from liability arising out of owning the home.

If you decide to rent a place after school, a renter’s insurance policy will cover your belongings inside the rented home or apartment.  The landlord’s policy will most likely only cover the physical building; leaving the responsibility of your contents and liability on you.

Discounts

Be sure to ask your agent about any discounts on your insurance coverage.  You can often receive a discount for purchasing an auto policy and a homeowners policy from the same company.  For auto insurance, there are often discounts for drivers who attend defensive driving or accident prevention courses.

The best approach you can take is to reach out to your insurance agent for advice.  Your agent can ensure you have met all insurance requirements and have your individual needs covered.

This blog entry is created for informational purposes only.  Any viewpoint or sponsorship of outside parties involved in the blog entry does not necessarily represent Goodville's stance as a company.  The blog should not be used as a substitute for professional advice.

July 12, 2017

It’s the weekend, and you’re heading to Florida with the family.  Your car engine seizes up halfway through your trip.  The repair shop is not open until Monday morning.  Now you might be faced with the cost of a night or two at a hotel along with meals you did not account for.  Did you know that trip interruption coverage on a personal auto policy pays for those extra costs?

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Trip interruption coverage pays for the unplanned extra expenses you experience when you’re away from home and your car breaks down.  Extra expenses include unplanned meals and lodging due to the vehicle’s break down.

The only requirements are:

• The breakdown must be mechanical or electrical on your covered auto,
• You must be more than 100 miles from home, and
• Your covered auto is out of service for more than 24 hours.

This coverage has no deductible, but it is limited to $600.  Also, coverage only applies to the period of time that is reasonable to resume your trip or return home.  This benefit is excess over and will apply after other vehicle warranties or auto clubs that you may have to pay for similar situations.

This coverage is only found on Goodville Mutual’s Personal Auto Plus endorsement.  The endorsement also includes additional coverage for towing and labor costs up to $100.  This coverage may also prove useful in the event of a break down away from home.

Ask your local Goodville agent about trip interruption coverage and the other benefits of the Personal Auto Plus endorsement, which include:

• First Accident forgiveness,
• Transportation expenses,
• Parked car collision deductible, and
• Damage to your car caused by an uninsured driver.

This blog entry is created for informational purposes only and does not provide coverage.  Any viewpoint or sponsorship of outside parties involved in the blog entry does not necessarily represent Goodville's stance as a company.  The blog should not be used as a substitute for professional advice.  Please refer to your policy for actual contracted coverages.