Top Misconceptions About General Insurance

Many people misunderstand general insurance, leading to poor decisions and inadequate protection. Let’s clear up some common myths:

1. “It’s only for cars”
   False. General insurance covers much more- homes, health, travel, business, and more.
2. “Nothing will happen to me”
   Insurance isn’t about expecting the worst; it’s about being prepared. Accidents and losses are unpredictable.
3.  “Insurers never pay claims”
   Most claims are rejected due to non-disclosure or misunderstanding the policy. Read and ask questions before you buy.
4. “It’s too expensive”
   Insurance is affordable, especially compared to the cost of unexpected losses.
5. “All policies are the same”
   Coverage varies. Always compare options and understand the fine print.
6. “I’m covered for everything”
   Every policy has limits and exclusions. Know exactly what’s included.
7. “Claims are stressful”
   Insurance is affordable, especially compared to the cost of unexpected losses.
8. “All policies are the same”
   Not anymore. With the right insurer and documentation, claims can be smooth and fast.

The truth? General insurance is a smart, flexible safety net. Don’t let myths stop you from protecting what matters.

Explore reliable cover options with Consolidated Hallmark Insurance today.