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Beyond the Basics: Exploring Policy Extras That Protect You

By The Team at Advantage Insurance • 11/11/2025

 

When most people think about insurance, they imagine coverage for accidents, property damage, or liability. But did you know many policies come with optional extras that can give you peace of mind and extra protection? These add-ons can help you in situations you might not expect—and sometimes they’re more affordable than you think.

Here are some common policy extras to consider:
  • ID Theft Protection – Covers costs and recovery if your identity is stolen.
  • Roadside Assistance – Towing, lockouts, jump-starts, tire changes, fuel delivery.
  • Rental Car Coverage – Reimbursement for a rental if your car is in the shop due to an accident.
  • Equipment Breakdown – Covers major appliances, HVAC, plumbing, electrical.
  • Umbrella Liability Coverage – Extra liability beyond your home or auto limits.
  • Pet Coverage / Pet Injury Protection – Helps cover vet bills for pets injured in accidents.
  • Service Line Coverage – Covers sudden issues like broken water lines or electrical failures.
  • Equipment / Electronics Coverage – Protection for personal electronics like laptops or phones.
  • Flood or Earthquake Endorsements – Extra coverage for disasters not included in standard policies.
  • Cyber Liability / Data Breach Coverage – coverage for online risks.
Why Policy Extras Matter
These extras aren’t just “nice to have”—they’re practical ways to fill gaps in your standard coverage. Everyone’s needs are different, so customizing your insurance can make sure you’re protected in the situations that matter most to you.
At Advantage Insurance, we help our clients explore these options so they can build a policy that fits their lifestyle. Whether it’s ID theft protection, roadside assistance, or umbrella coverage, we’re here to guide you through the choices and make sure you get the coverage you need.
Ready to learn more about policy extras that make a difference? Contact us today—we’d love to help you customize your coverage.

 

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Advantage Insurance is a locally owned full service agency in Eugene, Oregon, licensed in the states of Oregon, Washington and Idaho. We strive to set our agency apart with a knowledgeable staff, excellent products, and exceptional service. As an independent agency we represent many companies, which enables us to match your needs with products that best suit your situation and coverage needs. We are committed to establishing a long and trusting relationship with each of our clients, through prompt, professional, and effective response to their insurance needs. Click here to contact us or request a quote.
 

Disclaimer: The information provided in this blog post is for general informational purposes only and does not constitute personalized insurance advice. Every individual’s situation is unique, and insurance needs can vary significantly. Do not rely on this content as a substitute for professional consultation. Please contact us to speak with a licensed agent regarding your individual situation.

 

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