My family has had a German Shepherd for almost 12 years now. She’s a wonderful dog. Her name is Bella (no, she isn’t named after the girl from Twilight), and she is a sweetheart.German Shepherds have the uncanny ability to look brilliant. Like, brilliant to the level of being able to buy groceries and defuse bombs upon command. Bella is the same way. Her ears stand erect, her posture is vigilant, and her overall demeanor commands respect and epitomizes courage.At least, that’s what she looks like. As her family, we know that Bella is afraid of cats, poodles, most birds, fireworks, thunder, the sound the heater makes as it’s turning on, and anyone going more than thirty seconds without petting her. Basically, she’s a big sissy.
Don’t you hate exceptions?  Like when you have a 50% off coupon to the restaurant you love and you go there only to find out the coupon is not valid at that location.  Or, say you enter to win a drawing and the fine print says, “You must live in _____ to qualify” or “You must be ____ age to apply” and you are disqualified?   A lot of times, it just doesn’t seem fair.At XINSURANCE we get that.  That’s why we aim to insure what other insurance policies consider an exception and leave out of what they cover.
No one wants to get into trouble. Nobody wakes up and thinks, “Boy. Today, I think I’d like to test the limits of my legal and insurance coverage. Honey? Get the 4-wheelers out! We’re going to test them out on that golf course.”Trouble is a thing that pops up when least expected. The trick to taking care of trouble is making sure that as many of these little gaps as possible are not problem areas.Without being alarmists, it can be surprising the things that American adults can be found personally liable for. A large lawsuit can boil down to something simple like:
Most people consider insurance when it comes to their car or their house because it’s required in order to get a loan. But renter’s insurance is another thing. Many renters live under misconceptions about the need for insurance. For example, some believe that the landlord's insurance will cover them in case of theft, or their roommate's insurance will include them, or that they are still covered under their parents' homeowners insurance. The truth is, in order to protect your belongings you must get coverage for them yourself.