I enjoy reading and writing fiction, especially science fiction, fantasy and horror stories. Made up worlds and monsters can be a lot of fun and a welcome diversion from reality, especially after I read the news these days. I'm a sucker for the Harry Potter books and movies. However, there are a lot of "stories" out there about insurance coverage that are not so harmless. In fact, if your clients believe some of these tales, they could be exposing themselves to some large losses. Enter episode #13 of Ask Tim, where I look at some of these myths. Based on a recent article in USAA Magazine, this episode looks at flood coverage, auto coverage for personal belongings, dwelling wear and tear, and others, finishing up with an assist from Prince.
This episode is brought to you by IIABNY and the RLI Personal Umbrella program.