Home Insurance Review & Auto Insurance Review

Quick Review of Your Personal Lines Insurance Situation

At least once per year it is a good idea to do a home insurance review of your home insurance policies and an auto insurance review of your auto insurance policies. After you complete your home insurance review it is then a good idea to get some alternate quotes. We are an independent agency that can do that for you. We can obtain quotes for both auto insurance policies and home insurance policies. Below is a short question and answer session that can help you focus on some important areas of your insurance program.

Home Insurance Review

1. Do you have any snowmobiles, boats or other recreational vehicles? These are not covered under standard policies.

2. Do you have any art collections or gun collections?

3. Do you have any jewelry that you would want replaced if it were lost while you were on vacation or stolen?Your homeowner's policy has a limitation on how much it will pay to replace certain items such as jewelry, guns and collections? Do you know what your limitations are?

4. Do you have a vacation home or rental property?

5. Have you ever completed an inventory of your possessions? Hopefully you will never have a fire but if you do you will benefit from having some kind of record of your possessions.

6. Do you live in an area that has floods or earthquakes? After this year, that could be just about anywhere

7. Have you made any improvements or additions to your home or property over the past year?

8. Have you made any major purchases in the past year that you might want scheduled?

9. Have you added a burglar alarm or other security devices to your home or auto over the past year? Significant savings on home insurance policies can be had if you have added one.

10. Do you have a home based business, do you work from home, or do you have hobbies that produce income? It is important that we know about a home-based business so we can make sure that computers and other equipment are covered.

11. Do you have a trampoline?

End of Home Insurance Review

Auto Insurance review

1. You are driving to work tomorrow and you have an accident. You are at fault. There is $250,000 in medical bills and other damages. This is not an uncommon amount. Do you have the limits of liability on your auto insurance policies to cover this claim?

2. If you were injured in a car accident and the other driver was not able to cover your repairs or medical bills how would you want the money paid? What are you current uninsured/underinsured motorist limits? Do you have physical damage coverage?

3. Are there any drivers in your household under the age of 21? If you haven't told your insurance company about them, do it now. Claims can be denied.

4. Do you have any drivers in your household that are away at college? You could get a reduction on your auto insurance policies.

5. I f you had damage to your car or home would you prefer to have a lower deductible for less out-of-pocket, or would you prefer to lower your premium by choosing a higher deductible?

End of Auto Insurance Review

Now that your home insurance review and auto insurance review are completed. It is time to contact one of our agents who specialize in helping you get the right coverage on your home insurance policies and your auto insurance policies for the right price. We have over 10 different insurance companies that we work with.

Congratulations on completing a home insurance review and an auto insurance review.