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You are here: Home / Uncategorized / Is Your Current Insurance Sufficient to Your Current Life?

Is Your Current Insurance Sufficient to Your Current Life?

May 19, 2016 by nanette

Is Your Current Insurance Sufficient to Your Current Life?

Many people purchase an insurance policy when they first move into a home, get a license, purchase a vehicle or start a business.  But what you may not understand is the importance of periodically reviewing the policies and reassessing your needs.  By not doing this, it can lead to an inaccuracy that may ultimately lead to a gap in your coverage.

We all have busy daily lives and before you know it, a year or more has slipped by without you giving your insurance coverage a thorough review.

There are a number of life changes and events that should cause you to pick up the phone and call your insurance agent.  Here are 11 questions you should be prepared to address:

What have I added or updated around my home?

  1. What has changed with my vehicles or drivers?
  2. What significant purchases have I made?
  3. What is new with my family? (job change, attending college away from home, etc.)
  4. Are there any discounts for which I now qualify for?
  5. Should I consider any coverage options?
  6. Do I need any disaster coverage; such as flood or earthquake?
  7. Is my home inventory current?
  8. Can I afford to raise my deductibles, and would it lower my insurance costs?
  9. Am I carrying high enough liability limits to protect myself?
  10. Is an Umbrella Policy right for me?
Do a home Inventory!  There are APPS and spreadsheets available.  Google Play has one called UPHelp Home Inventory.

Don’t let another year slip by.  There is nothing worse than thinking you are fully covered and finding out you are not when you file a claim.  Your insurance policies should replicate the life you live now.  Make an appointment with your agent to review you upcoming renewal.

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Founded in 1988, Henderson Insurance Services is an independent insurance brokerage. With hundreds of insurance companies to choose from, we find the best insurance plan to fit your specific needs. Let us do the shopping for you.

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