Headstone insurance

We all cherish the memories of our loved ones, don’t we? Their final resting place, the headstone, symbolizes those memories. But have you ever paused to think about what might happen to that precious stone over the years? Life is unpredictable, and so is the environment around these memorials. From natural wear and tear to unforeseen accidents, a lot can happen. That’s where we come in, offering you a way to ensure that the memory of your loved one remains untarnished.

Dive into the StoneGuard Policy: Here’s What You Need to Know

First off, thanks for considering StoneGuard. We’re here to make things easier for you during challenging times. If you ever need to renew or tweak your policy, give us a ring! Our dedicated team, working safely from their homes, is always ready to assist. And hey, if you ever face any damage or issues, claiming is a breeze with us. Just reach out, and we’ll guide you through the process. Remember, it’s not just about the stone; it’s about the love and memories it represents. And we’re here to ensure those memories remain intact, come what may.

What does Headstone Insurance cover?

Let’s get into the nitty-gritty of what StoneGuard’s got your back for. Imagine this: A lawnmower goes rogue, or a tree decides it’s time to take a tumble right onto your loved one’s memorial. Or even those sneaky council actions when they deem a memorial stone a bit shaky. Stressful, right? But with StoneGuard, you can breathe easy. Our ‘all risks’ policy has you covered for:

• Those unexpected accidents and, unfortunately, even vandalism
• Nature’s mood swings, be it storms, floods, or that chilly frost.
• the not-so-friendly neighborhood tree that falls.
• ground giving way? We cover subsidence, too.
• Natural stains from tree sap or those pesky birds? Yep, we’ve thought of that.
• And if the council steps in for any reason, we’ve also got that angle covered.

Plus, here’s a bonus: If a stonemason did a less-than-stellar job and they’re no longer in business, we’re here to sort things out. And hey, with our Memorial Stone Policy, if there’s any accidental injury or damage from the memorial, we’ve got a safety net for that, too. Always remember, with StoneGuard, you’re not just getting insurance; you’re gaining peace of mind.

StoneGuard Refund Policy Overview

Now, I get it. Sometimes, after a closer look, you might think, “Hmm, maybe this isn’t for me.” And that’s okay! With our StoneGuard policy, you’ve got a 14-day window (we like to call it the ‘cooling off period’) from the day you get your policy documents to change your mind. If you decide to back out within this period, no hard feelings! We’ll refund any premiums you’ve paid, unless you’ve already made a claim. And here’s a promise: we’ll process your refund within five business days. The refund will go back to the card you used, but we’ll send you a check if there’s a hiccup. This refund policy is specifically tailored for our StoneGuard products and services.

What’s StoneGuard going to cost you?

Okay, let’s dive into the part everyone’s curious about—the cost. First, let me assure you that we’ve designed our premiums with you in mind. We’re talking about a five-year coverage plan for those beautiful memorial stones, whether resting in serene UK cemeteries or peaceful churchyards. And the best part? The prices include the insurance premium tax.

Now, let’s break it down:

• For stones valued up to £400, it’s just £25.00.
• Between £401 and £500? That’ll be £30.00.
• And it goes up incrementally, with the highest bracket, £9,001 to £10,000, priced at £448.00.

Remember, these prices have been effective since August 2, 2020. We believe in transparency, so what you see is what you get. No hidden fees, no surprises. Just straightforward, affordable coverage for the memories that matter most to you.

Recommended headstone insurance companies

Headstone insurance, often called grave or memorial insurance, is specialized coverage to ease the financial burden of purchasing a headstone and handling other burial-related expenses. It can be a unique provision within your homeowner’s insurance or a standalone policy. Some companies focus on providing insurance for memorials, headstones, and other cemetery necessities. Let’s delve into some of the options available for headstone insurance:

1. Homeowner’s Insurance: Your homeowner’s insurance might already have provisions for covering headstones and urns as personal property. It’s a good idea to chat with your insurance provider to understand the scope of coverage available to you.
2. Stephenson’s Memorial Masons: They offer assurance on their memorials, guaranteeing up to 5 years against any wear and tear on the inscription, all under the banner of the National Association of Monumental Masons’ fixing regulations. It’s a solid choice, if you ask me!
3. Regan Agency, Inc.: With their MemorialPro service, the Regan Agency has carved a niche for itself in insuring cemeteries and crematories. They’ve been at it for over 35 years, offering insurance and risk management solutions. Their experience in this domain is something to reckon with.
4. Funeral and Burial Insurance: Companies like Lincoln Heritage are in the mix as well, offering burial insurance that encapsulates final expenses like headstones, urns, and memorial services. In essence, this policy tailors life insurance to cover funeral and burial costs with a smaller benefit amount.

Navigating the world of headstone insurance can be more manageable with the proper guidance. Contact these providers or consult an insurance advisor to explore the most suitable coverage options for your needs.