The new year is a time for making resolutions to improve your life. We pledge to eat better, exercise, spend more time with our children and improve our general well-being.
In 2013, I want to ask each of you to take some time to also review your insurance coverage. Yes, I know it does not sound very exciting, but I promise you that will give you the peace of mind for the new year. It will also help protect your home, cars, jewelry, and other assets.
When was the last time you reviewed your coverage? Most of us see our policy when we have to file a claim - when the toilet on the flow or you lose your favorite shows. It is time that we rustle in the file cabinet to find our policy. We dust off the paperwork and realize that we have no cover for lost items of jewelry or we have a franchise that is far beyond our means. Be proactive now and review your coverage
The following recommendations are for review :.
- Watch the policy of your own and check your coverage and policy limits, located on the declarations page of your policy. Some questions :?
- What is the limit of the policy for my structure, personal property and loss of use
- If my house burned to the ground I would have enough money to replace my house and property?
- what is the coverage that I have water damage?
- do I have any protection for my foundation?
- Are my cutlery content on a basis of replacement cost
If you feel that you are underinsured or are unsure what is covered and call your insurance company or agent and review your policy.
- Check your deductible on your homeowners and your auto insurance policies. Can you afford the deductible in case of disaster?
- are your adequately protected valuables? Do you need separate coverage for the wedding ring of your wife or piece of art in your living room? What type of coverage you have for antiques and firearms?
- Contact your insurance representative if you made additions or improvements to your home can increase its value.
- Review your liability limits on your auto and homeowner policies. Your assets properly protected?
Do not wait until the tree is in the middle of your living room! Take a look at your policy and contact your independent insurance agent or representative and discuss your coverage. Have a great and prosperous year!
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