# Your Insurance Coulda Covered That

Woulda, coulda, shoulda. Hindsight is 20/20. No doubt you’ve heard these phrases before in response to an unforeseen consequence. You think that you’re prepared—until you aren’t.

Don’t wait until you find yourself asking, “Does my insurance cover…?” Schedule a SuperCheck to be sure you know the answer before you ask! 

Check out the list below of some things that could be covered by insurance… then make a plan to call your agent! 

**Kitchen Appliances**  
Picture this: it’s the hottest day of the summer and your air conditioner compressor decides today is the day to stop working entirely. If you have Residential Equipment Breakdown coverage, you can also protect your home heating/cooling systems, electrical home systems—and, yes, appliances.  Residential Equipment Breakdown might sound intimidating, and as if it might only relate to large items. But this extension of Farm Bureau’s homeowners’ insurance is meant to cover small “equipment”, including kitchen appliances. This can be a lifesaver if you find yourself without a stove or, even worse, an air conditioner. 

**Your New Vehicle  
** You buy a new car, you drive it for less than a week, and WHAM. You’re hit, and your new investment is totaled. Standard comprehensive and collision coverage might ensure you are reimbursed for the value of your car – but they’ll account for depreciation. 

Depreciation!?!? If you have Replacement Cost Coverage and you total your new car, you’ll get a new vehicle, not just the value of your vehicle minus depreciation. Better yet, “new” doesn’t necessarily mean you got it last week—our Replacement Cost Insurance covers your vehicle for up to four years (five in select states!). That’s a nice perk to have in your back pocket.

**Your Home Office**  
Your home office is probably full of expensive equipment—at minimum, there’s that computer you can’t do without. Did you know a home office is typically considered separate from your homeowners’ insurance? So it’s important to make sure it’s properly protected. Luckily, you can get Home Business Insurance. With this, you can help protect yourself in the event of damage to office equipment, or injury to another party on your property. If there’s an accident involving a vehicle you use for your business, this coverage could help protect that too. Knowledge is power!

**Extra Income When You Retire**  
Life insurance doesn’t do much good until you’re gone, right? Wrong. Some life insurance products can actually be used as additional income during your retirement—while you’re still very much alive. With predictions that the cost of living will rise exponentially in the next 30 years, it pays to think ahead. 

And the potential benefits of life insurance don’t stop there. For more information on ways life insurance can benefit you, check out our article on 5 Unexpected Uses for Life Insurance.

**Your Identity**  
It’s a fast-growing crime, and it’s not slowing down – identity theft. Internet security breaches, scanners at gas stations and ATM’s, even digging through the trash—all of these things put your identity at risk. But there’s hope—not only could Identity Theft coverage help alert you if suspicious activity is noted, but it can also help cover the expenses of regaining control of your identity. Those legal fees and lost wages are no joke: did you know that insurance could cover that?

Don’t let hindsight get the best of you. If you have it, chances are insurance could cover it. Why risk it? 

Your needs are as unique as you are. Let your local Farm Bureau agent act as both a guide and an advocate. Get a SuperCheck today and let us help make it simple protect your family and your property and your possessions. To find out more, contact an agent and avoid the “shoulda”!

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##### Kevin Christoffers

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**Registered Representative/Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Member SIPC.** Advisory services offered through FBL Wealth Management, LLC.+

Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Fixed life insurance and annuity products are offered through Farm Bureau Life Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, ID, KS, MN, MT, ND, NE, NM, OK, SD, UT, WI and WY.

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