Why should you care……………………….

About reviewing your insurance coverage?

Let me share three reasons………….just follow along.

In the past 5 days I had several people ask for a quote, and three people were surprised at what they learned. One was paying for more dwelling coverage than he needed. For three years he was paying for $80,000 more coverage than the $140,000 it would take to rebuild his home.     Now keep in mind we have cost estimators to determine the cost to completely rebuild your home. Based on the information you provide,a figure is generated which is used to determine the re-build cost. The underwriters use this and other information to determine what your premiums will be.

Another was quoted (by another agent) $40,000 less dwelling coverage than the $200,000 it would take to rebuild his home. He knew this figure sounded low and questioned the figures he was quoted, then sought another quote through our office.

And the third was a young woman who saved $932 in annual premium, by simply asking me for a quote. She thought her insurance was pretty steep for having a good driving record, and wanted a second opinion. I was able to significantly increase her coverages, while saving her what amounts to a couple car payments over the next 12 months…………

So the lesson here is to talk to your agent when things change in your life, around the home, office, or activities which may require changes in insurance coverages. At a minimum you should have an insurance review annually with your agent. Proper coverage is just as much the responsibility of the policyholder as it is the agent, and together you can ensure your proper protection!!