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Fake Insurance homeowners insurance

Just When You Thought You Were Covered — “Fake Insurance”!

Fake Insurance

It’s running rampant, spotted in countless policies in homes and businesses across the country. It’s “fake insurance” — gaps or exclusions that expose themselves when you need them most.

Say you’re a retired policeman still packing (legally!) and your firearm is stolen and used after it’s left your hands. That’s when “fake insurance” can rear its ugly head. Imagine finding out your homeowners or general liability policy doesn’t cover you? Or you’re hosting a birthday party for your nephew and renting an inflatable for the background; one of the kids trips and bangs his head — bad. If you think your homeowner’s policy or the waiver signed by your guests for the installer has your back, think again! What about public servants accused of sexual abuse? Will your company’s liability insurance protect you and your good name? Possibly not. Or you have an adorable furry friend who has a terrible temper and takes a disliking to your landlord. Your homeowner’s insurance may not take the bite out of a lawsuit.

“Fake insurance” appears more often than you’d expect. That’s why it’s important to take a second look at your limits and deductibles today to help ensure there are no surprises tomorrow. Also, take a look at specialty liability insurance from XINSURANCE.


XINSURANCE is powered by Evolution Insurance Brokers, an insurance brokerage. XINSURANCE can provide solutions where traditional carriers won’t — we specialize in providing solutions for specialty and declined risks. Even if you’ve been canceled or denied coverage, or you’ve filed bankruptcy, XINSURANCE can help.

For more information about “real insurance” from XINSURANCE, contact us.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.