Purim Insurance… with a smile:)

Don’t you wish you could insure:

- for all the times you lose control and shout at your spouse?

- for babies waking at 4:00 every morning?

- for marrying off your kids after the first (or second) shidduch?

- against waking up grumpy and depressed?

- against the minus in your bank account?

Some things are uninsurable-but do you know the answers to the following?

If my usually gentle dog bites our guest, is this covered?

In a standard home policy, damage caused by pets is covered unless the dog is regarded as a dangerous breed (e.g., Rottweiler, Doberman, Pit-bull, etc. Those breeds must be specifically approved by the insurance company).

Our home was badly damaged in a fire and we have to move out while repairs are being made. Does our policy cover this?

Yes. The standard home structure policy covers up to six months rental on a similar home or up to ten percent of the total structure insurance, the lower of the two.

I’m pregnant and traveling overseas. What’s the absolute latest date I can still be covered for pregnancy emergencies?

You must be back home by the end of the eighth month. There is no cover for twins! In a standard policy there is cover for the initial consultation and also for an ectopic pregnancy for up to $10,000.

I was filling up with gas. By mistake, I left the keys in the ignition while buying something at the gas station shop. To my dismay, a thief jumped in and drove my car away! Is this covered?

Firstly, don’t try this! However, when such a case does occur, Israeli courts have ruled that if there is “kesher ayin” (constant eye contact with the car), then the theft is indeed covered.

Can you insure: Loose diamonds / jewelry that is overseas / a tree falling on a car / a loss of profit in business / kids breaking an expensive vase while you are at a hotel / cash at home / taking a Sefer Torah overseas?

Call us! We have the answers!

A wise man said: Needing insurance is like needing a parachute. If it isn’t there the first time, chances are you won’t be needing it again!