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