Text message, Are you Covered on wood. Business concept.What Is Insurance Designed to Do? Most people who buy insurance do not fully understand their coverage until they have a claim.  Once you have a claim, it is impossible to make any changes.  Insurance is designed to protect you from unforeseen events or accidents. Insurance is not intended to cover every accident or loss. These are the apparent exclusions in every policy:
  • Intentional acts
  • Flood
  • Earthquake
  • Arson by insured
  • Riot or civil unrest
  • Governmental Actions
  • Landslides
Typical exclusions of which you might not be aware:
  • Operating a business out of your home
  • Renting out your house on Airbnb
  • Certain dog breeds
  • Trampolines – may have coverage with restrictions
  • Sewer backups
Insurance is something we know and understand.  We can help you understand how insurance can help you protect your assets.  We offer many different kinds of insurance products and have a professional staff that is ready to serve you. At J.S. Edwards & Sherlock Insurance Agency, we are proud to help individuals and families get the coverage they need to have both financial security and peace of mind. To get start, give us a call at 409.832.7736 or fill out our contact form!