Time to Review Your Insurance

Once they purchase the required insurances, most people get comfortable and don’t think about reviewing their coverage unless there is a huge rate increase (or, even worse, if they have a claim!), then they start shopping. That’s fine, but there are times when an insurance review is in order.

Here are a few examples….

HOME INS: Have you added a room, attached garage or carport? Have you built a new shop or storage shed? Perhaps you’ve remodeled and updated your home and/or security measures. Now is a great time to review your current policy and if needed, increase coverage or apply for new discounts.

AUTO INS: We all know to add or delete an automobile when you sell or replace one, but what about checking those Comp/Collision deductibles? Maybe you’ve paid off your car – you need to remove that lienholder!  If you then exercise your option to remove your comprehensive and/or collision, how about adding Uninsured Motorist Property Damage coverage (this must be combined with Uninsured Motorist Bodily Injury)?

LIFE INS: When was the last time you sat down to determine if you have enough coverage to sufficiently support your family should you die? Are you divorced or widowed?  Then you may need to change those beneficiaries!  No one likes to think of burying their child; tragically many do.  Are they covered?  How are your investments doing? Ever consider the long term or living benefits of a life insurance policy?

These are a few areas of every day coverage that need regular reviewing. As life changes, so do our insurance needs. Don’t wait for a rate increase or a loss to review your insurance coverage!  Let’s look at your policies and find out if you need to make a change or two.  All it takes to review is a call to 337-433-1683.

Until next time, take care and remember…. Don’t put off until tomorrow what you can do today.
Tommy Curtis and Staff