Time to Review and Renew Your Auto and Home Insurance

An annual insurance review is a time for us to sit down with you and ask questions in order to gain a better understanding of your circumstances. We can make sure that your policies are up to date and reflect any changes that have occurred in the past year, and you can gain a better understanding of your coverage and where you might have additional or different needs than in the past.

We will review your coverage limits and deductibles, lifestyle, hobbies and any major purchases or renovations you have made in order to ensure that your vehicles, home and belongings are fully protected. Together, we can address any gaps in coverage that we find.

When we review your coverage, we may ask the following questions, and more:

  • Has anything changed that would impact the amount of coverage you need for the next year?
  • Will your teenager be driving soon? Have you purchased or do you plan to purchase a new car? Does anyone in your household drive a company-provided vehicle?
  • Do you feel that the coverage on your home and its contents is just right, too much, or too little?
  • Have you finished your basement, remodeled your kitchen, built an addition or made any other significant changes to your home in the past year?
  • Are there any additional discounts that you might qualify for?
  • Should you raise your deductibles in order to lower your premiums?
  • Does anyone in your household work from home? Has anyone started a home-based business?
  • Do you have any new personal risks that are not being addressed? Have your personal assets increased? Have you put in a swimming pool, or gotten a new dog?
  • Would you benefit from a personal umbrella policy?

Consider putting together a home inventory before your review. It is the best method for determining if the personal property coverage in your homeowners insurance policy is sufficient. You can prepare a home inventory using any method you wish, or we can suggest tools to help you.

Contact us today to set up a time for your annual insurance review. After a loss occurs is too late to find out that you have gaps in coverage and insufficient policy limits.

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