Get A Checkup!

You already know that you need to get your checkups. You visit the doctor, the dentist and the ophthalmologist. When was the last time you saw your INSURANCE AGENT for a checkup?
Make an appointment today, because things change!

• Is your home covered adequately? If you've had your homeowners policy for more than 5 years, you may be underinsured. If you've made any improvements to your home, you may be underinsured. You need to review your coverage with a licensed agent.
• Has the size of your family changed? What about your employment status, or how many miles to work you drive each week? A good example is a real estate agent who has changed careers. Are you still paying a "business use" rate? What if you are now using your vehicle in business, but you are rated for pleasure. Are you covered correctly?
• Has your business changed? If you have downsized, grown, expanded your services or increased your inventory, you should discuss that with your agent and make sure your coverage is suitable.
• Did you know that your policy probably specifies how your coverage is DECREASED if a building is vacant? Talk to your agent if you have a vacant property.
• New discounts become available, new programs become available and carriers are added to our repertoire every year. Schedule a visit so that we can review your insurance portfolio.
• Do you have vehicles insured with different companies? That can be a huge risk to you. Get them on one policy right away. If your insurance company won't cover a travel trailer or motorhome, maybe you should shop around. One exception: motorcycles and ATVs: those are almost never insured on the same policy as an automobile.
• And what about your ATV? If you told your agent to just get you the minimum coverage to make it legal, since you use your ATV so seldom, you may be leaving money on the table. You may be able to get more coverage for the same dollars. Schedule a review!
• This is a concern that I see very often: does the named insured on the policy match the true owner of the property? If you purchased property in the name of a trust, an LLC, or in partnership with another party, are you properly protected by your policy? Visit with a licensed professional to discuss it. (more on this topic in a future post!)
• Did you pay off your mortgage? It complicates a claim if a mortgage company is listed on the policy but they don't have a lien on the property. That's also true if you paid off your vehicle loan. See your agent!

Did I say it too many times? Schedule a review! Get a checkup! Visit a professional TODAY!


We are offering general information and opinions. Talk to your insurance professional for questions and concerns about your insurance policy.