Hausmann Insurance & Financial Services

2313 Randolph Rd
Charlotte, NC 28207

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Hausmann Insurance & Financial Services Blog

Does Auto Insurance Cover Items in the Vehicle?

For many people, having good auto insurance comes down to whether they have an agent they can trust to get them the right policy. It’s pretty easy to sign up for coverage, but it’s more difficult to get the right policy for your needs. If you’re in the Waxhaw, NC area or near Charlotte, reach out to us today at Hausmann Insurance & Financial Services. By doing that, you can get the vehicle insurance you need to have the protection you’re looking for. You don’t have to settle for a policy that doesn’t give you good coverage or one where you don’t get your questions answered. We can help you avoid all of that and get the coverage you need.

A good policy may cover the items that are in the car, as well as the car itself. But you’ll need to make sure the policy you have is the right one for your needs and goals. They may not all be right for you, and you want to protect your vehicle properly. If you choose the coverage that doesn’t work for you, you’ll end up without any type of security for the things that matter most. You could also end up with policy options that are well more than you’re looking for, which doesn’t really help you protect your vehicle correctly.

When you’re in the Charlotte area or in or around Waxhaw, NC, reach out to Hausmann Insurance & Financial Services for your auto insurance needs. Then you can have peace of mind and feel confident that you’re getting a policy that’s covering what you need and not adding what you’re not looking for. That’s a great way to have the right policy for your vehicle and can keep you enjoying your time on the road for years to come.

Three things you may not be aware of regarding commercial insurance

Business owners in Charlotte, NC must protect their companies with commercial insurance coverage. At Hausmann Insurance & Financial Services, we offer commercial insurance policies to area business owners.

As a business owner, you should be aware of the following three things regarding commercial insurance.

The costs of commercial insurance premiums are deductible as business expenses. 

Although commercial insurance coverage will cost your company money, it is also a deductible business expense. This means that commercial insurance premiums can help to bring down your company’s tax liability.

Simultaneously, your commercial insurance coverage will protect your company from financial issues like lawsuits and certain events leading to unexpected loss of business income. 

Commercial insurance is required by law in numerous situations. 

Depending on the makeup of your company, you may be required to invest in some types of commercial insurance. For example, you need to purchase commercial auto insurance or vehicle insurance if vehicles are part of your company’s operations. You also may need to buy unemployment and disability insurance if your company hires employees. 

There are many different types of commercial insurance available. 

Commercial insurance coverage includes a lot of different types of insurance designed for businesses. The various types of commercial insurance available include business liability, property, workers’ compensation, and malpractice insurance.

It would be best if you researched all these different types of insurance. Then, you need to determine which of these types of insurance your company needs. You can discuss your company’s needs with a representative from your insurance provider for advice and tips. 

If you’d like to explore our commercial insurance policy offerings in Charlotte, NC, contact us at Hausmann Insurance & Financial Services

Three home insurance add-ons to consider

If you’re on the market for a home insurance policy in Charlotte, NC, you have a lot of decisions to make. One of the issues you’re going to have to decide on for your policy is what add-ons you want to your standard policy coverage. 

The following are three home insurance add-ons to consider if you’re purchasing home insurance from a provider like us at Hausmann Insurance & Financial Services.

Sewer backup coverage

A sewer backup can cause extensive damage to a home. At the same time, coverage for such damage is not always included in a standard home insurance policy. Therefore, sewer backup coverage is a type of add-on coverage that you should consider when you purchase home insurance. 

Flood damage coverage

Homeowners need to understand that many standard home insurance policies don’t offer coverage for flood damage. This type of coverage must be added on. 

If you live in a part of the country that is prone to flooding, flood damage coverage is essential. You need to look into flood damage coverage options and invest in add-on coverage for floods so that this type of damage doesn’t cause severe financial burdens for you and your household. 

Watercraft endorsement coverage

If you own a boat that you store on your property, you might want to consider adding a watercraft endorsement to your policy. This endorsement means that damage to your boat will be covered. This coverage can also include any liability expense you experience that will pay for damage your boat might cause during use. 

Do your research to find the right home insurance policy in Charlotte, NC. At Hausmann Insurance & Financial Services, we’re here to help. Get in touch with us to learn more about our policy offerings.