10 Reasons to check Your Current Insurance Coverages

1. Remodeling or Building an Addition to Your Property-When you hire the contractor, request a certificate of insurance to confirm their liability coverage. Call me so we can review the contractors liability coverage
2. Teen Drivers-If a teenager in your home is learning how to drive, even with a learner's permit they need insurance.
3. New Swimming Pool-Call me I can recommend steps that you can take to help keep your backyard safe and determine whether additional liability coverage should be considered
4. New Work Location-If you have accepted a position where you will have a shorter or longer commute to work call me. A significant change in annual mileage could warrant a change in your auto policy
5. Retirement-When it's time to retire, you may be able to maximize the benefits of your retirement plan with a life insurance program
6. A Change in Vehicles-If you've purchased or leased a new or used vehicle you should call me as soon as possible. Car dealers are required by law to confirm insurance coverage, but only you can make the necessary changes to your policy
7. Home or Auto Refinance-When you're taking advantage of lower interest rates by refinancing your home or vehicle, your policy will need to be updated to reflect the new lien holder
8. Just Married or New Baby-When you get married or welcome a new baby to the family, the new responsibilities may warrant a change in your home, auto and life insurance coverage.
9. Purchased Valuables-When you purchase valuables such as a diamond ring or a rare piece of art, you should call me. Your home owners policy covers personal belongings and furnishings, but higher-valued items may have coverage limitations. An endorsement may be advisable for more costly or unusual items.
10. Home Business-If you are starting a business in your home, you should call me. Depending on equipment and the nature of your work, an endorsement or separate policy may be necessary top protect your investment and liability exposure

FACTS AND QUESTIONS TO CONSIDER

Erie Insurance is one of the insurance companies that I represent. I would say that Erie Insurance is my flagship company for Property and Casualty Insurance. The Erie Insurance Company has great programs for individuals and commercial accounts. below are some improvements that The Erie Insurance Company made to their individual coverages' in the last quarter of 2006.

1. Comprehensive Perils Coverage is now available on boats up to 15 years of old.
2. Named Perils Coverage is now available on boats up to 25 years old.

The Erie Insurance Company has extended Named Insured Status to Domestic Partners on Private Auto, Boat Protection and Umbrella policies. In addition you can apply multi-policy and multi-car discounts to qualifying policies. This is great news for couples that live together but are not legally married.

1. This improvement alone has saved people many hundreds of dollars by being able to have one policy to cover all the vehicles, the home and umbrella policy.

Question of the week: Does your current home protection policy contain:

1. Sewage or Drain back-up coverage? If so how much coverage?
2. Identity Thief Recovery protection? If so how much coverage?
3. Is your jewelry, furs, watches, precious and semi-precious stones covered for theft, misplacing or lost? Have you reappraised these items in the last 3 years?
4. Can you rebuild your home for what you have it insured for?

These are the types of questions you should know the answer to. If you don't know or don't know who to call to get the answers then it is time we should talk.

Randy @ render Insurance Agency RRender@RenderInsuranceAgency.com

It is easy to find insurance, but hard to find an Insurance Agent.

insurance is NOT a commodity

It is amazing to me the people that pay home insurance premiums for years and really do not know what type or amount of coverage they have. This has been my mission since I opened my own Insurance Agency: to inform people as to the serious nature of their personal coverages and that everyone should review their insurance coverages every other year at a minimum. If family situations change the policies should be reviewed sooner. While this is agreeable to most people the actual act of doing it never seems to happen. The question is how can I impress upon people the need to do this. I promote myself by making the statement "If you have not talked to your current insurance agent in the last year then maybe we should talk" Most people treat insurance as a necessary evil. They believe insurance is more of a commodity than an ever changing product that fluxuates greatly between companies. Insurance is something that should be taken very seriously. When you need the services of your insurance policy you want confiendence from the Agent and Company that your expectations will be met