Personal Insurance Guide

hen was the last time you reviewed your insurance coverage? The start of a New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of coverage and price.
Insurance “To Do” List

General or Personal Items

• Review my insurance to make sure I have the right coverage
• Take the time to read my insurance policies
• Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
• Make sure I have identity theft insurance
• Do I have enough life insurance?
• Do I need life insurance for my spouse?

Auto Insurance

• Check my credit score
• Consider increasing my auto deductibles on my older vehicles

Home

• Get a quote for earthquake insurance
• Combine my auto and home insurance to save money
• Complete a home inventory to ensure my property values are correct
• Consider purchasing or increasing my umbrella coverage

Safety

• Consider an alarm system
• Clean my gutters
• Have I replaced all the batteries in my smoke detectors?

Have I experienced any of these changes?

• Bought  a new car or sold a car
• Changed your marital status
• Bought a boat, RV or ATV
• Change of address
• Welcomed a new baby into the family
• Major inheritance
• Have a new teen driver in the family
• New purchase of guns, jewelry or art
• Child headed off to college
• Child over the age of 26
• Purchased second home
• Plan foreign travel

Please call our office today if you need to make any changes in your insurance program.