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Pros and Cons of Stacked and Unstacked Insurance

Updated on December 13, 2011

Many a times, there arises a dilemma in choosing one product among others. Stacked and unstacked insurance pose the same issue to consumers. Insurance is an amazing concept which takes care of your financial emergencies at all times. However, with increasing popularity for the insurance sector, more and more companies are getting into this segment and offering multiple insurance policies which make it difficult to choose the best insurance package. Stacking is an innovative concept in the insurance segment wherein you can stack your policies on multiple items to gain the maximum benefit out of them. However, there are pros and cons for both stacked and unstacked insurance and it is very essential to choose the right insurance in consideration with your actual requirement.

What are stacked and unstacked Insurance policies?

Stacked insurance, as the name suggests, enables you to avail benefits from multiple insurance policies for a single incident. For instance, a policy of $1000 can be combined with another policy within the same limit and availed doubled, at times up to $3000. This is an increase of 2-3 times on the total promised amount as you are combining 2-3 policies into one. Unstacked insurance, on the other hand, is the normal procedure wherein you need to take a policy individually for multiple items.

Stacked Vs Unstacked Insurance

While choosing one policy among stacked and unstacked insurance, you need to determine your requirement as both these policies have pros and cons. Stacked insurance can be useful when you are insuring multiple cars combing all policies. During emergencies you can claim a combined amount as the limits are extended to cover all policies. However, one thing to keep in mind is the amount of premium you pay. If you want to avail these benefits then you might have to pay more. Enquire with your insurance agent about the total amount you have to pay as a premium for stacked and unstacked insurance. You can then compare both policies and benefits to come to an informed decision.

Make sure to check with the local authorities and your insurance agency if stacked insurance is available in your state as it is a feature offered in a few states. Managing your finances efficiently is what matters at the end of the day. Talk to your insurance agent and if stacked insurance is available at a reasonable price, it is a good idea to insure your vehicles under one policy.


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