How is that covered?Holidays are times for visits from family and friends. But what ifsomeone gets injured while at your home? One of the more common injuriesis a slip and fall of an elderly guest or a toddler. How is that covered?Your homeowners policy, even if it is a renter's policy, offers at least $1,000 formedical injury to any guest at your home. The cost to increase your Medical Expensecoverage to $10,000 is about a dollar a month. It's always a good idea to review yourpolicy and the coverage limits that it will provide to you in the event of a claimThe no-fault coverage on an auto insurance policy can also help with medicalexpenses related to an injury getting in or out of a vehicle. If someone is injuredwhile getting into or out of their vehicle, there is $20,000 of medical coverage. Thisalso covers injuries to someone helping another person get into a vehicleNow let's talk gifts. You've found that special gift for that special person and you goout and buy your loved ones gifts. How are they covered should something like a fireor theft occur?.The gift is covered under your own policy until you give the giftOnce you give the gift to someone then their policy covers it.Remember, a homeowners policy limits coverage you have for higher value itemssuch as jewelry, guns, sports items, and electronic itemsA rule of thumb to remember is, if the item is valued at more than $2,000 youwill want to check your policy to seewhat coverage you have to insure you areadequately covered. If you do add extracoverage for an item, you may now be coveredfor things such as breakage, or losing the itenmThese same rules apply to people purchasingmedical equipment such as hearing aids, andsleep apnea machines at years end as wellROBERT LOONAN AGENCYANGELA FISCHER | AMERICAN FAMILY INSURANCE1221 4th Ave E | Shakopee, Minnesota 55379Office: 952.445.8100 Fax: 952.445.1399AMERICAN FAMILYINSURANCEInsure carefully, dream fearlessly.

Date: December 29, 2017

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How is that covered? Holidays are times for visits from family and friends. But what if someone gets injured while at your home? One of the more common injuries is a slip and fall of an elderly guest or a toddler. How is that covered? Your homeowners policy, even if it is a renter's policy, offers at least $1,000 for medical injury to any guest at your home. The cost to increase your Medical Expense coverage to $10,000 is about a dollar a month. It's always a good idea to review your policy and the coverage limits that it will provide to you in the event of a claim The no-fault coverage on an auto insurance policy can also help with medical expenses related to an injury getting in or out of a vehicle. If someone is injured while getting into or out of their vehicle, there is $20,000 of medical coverage. This also covers injuries to someone helping another person get into a vehicle Now let's talk gifts. You've found that special gift for that special person and you go out and buy your loved ones gifts. How are they covered should something like a fire or theft occur? .The gift is covered under your own policy until you give the gift Once you give the gift to someone then their policy covers it. Remember, a homeowners policy limits coverage you have for higher value items such as jewelry, guns, sports items, and electronic items A rule of thumb to remember is, if the item is valued at more than $2,000 you will want to check your policy to see what coverage you have to insure you are adequately covered. If you do add extra coverage for an item, you may now be covered for things such as breakage, or losing the itenm These same rules apply to people purchasing medical equipment such as hearing aids, and sleep apnea machines at years end as well ROBERT LOONAN AGENCY ANGELA FISCHER | AMERICAN FAMILY INSURANCE 1221 4th Ave E | Shakopee, Minnesota 55379 Office: 952.445.8100 Fax: 952.445.1399 AMERICAN FAMILY INSURANCE Insure carefully, dream fearlessly.

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