Home Page Home Page About Us Get A Quote Customer Service Location Contact Us Personal Insurance Business Insurance Farm Insurance Ministry Insurance Get A Quote


Some people vow to exercise more, or to quit smoking or to read more books, and these are all admirable New Year’s resolutions. But what about resolutions that help provide you with peace of mind, more protection and a little more money in your wallet?  Trusted Choice ® Independent Insurance Agents encourage you to review these three straightforward “insurance resolutions" that can help you start 2016 on the right foot:

Check to See If You Qualify for Discounts to Lower Your Premium

It’s always a good idea to save a little money when you can, and asking your Trusted Choice agent about potential discounts is a great place to start. While premiums are calculated based on the level of risk an insurance company must take to provide you with coverage, there are steps you may be able to take to reduce those risks. For example, installing alarms in your home that alert local authorities to fires or burglary may help to reduce the premium on your homeowners insurance since it can aid in the prevention and mitigation of a fire or break-in. If you have teenagers that are or will be old enough to drive this year, ask your agent about good student discounts, and all drivers may be able to lower their premiums by successfully completing a defensive driving course.

Another way you can lower your premiums would be to raise your deductible- the amount you pay for a loss before your insurance coverage kicks in. Raising your deductible on your auto insurance collision and comprehensive coverage can help bring your rates down.

Make a home inventory

The reason we all purchase insurance is to help us recover, rebuild and replace after a loss. 2015 saw devastating storms, from tornadoes to hurricanes where thousands of people lost their possessions. Keeping a comprehensive home inventory can help you replace your belongings after a loss, as accurate records will make it less likely that there will be a dispute between you and your insurance company during the claim process.

Not sure how to create a home inventory? Creating a Home Inventory

Find and Fix Gaps in Coverage

One of the worst experiences you can have when filing a claim after a loss is being told that you don’t have the right coverage. While a Trusted Choice independent insurance agent will work with you to try and eliminate those scenarios, there are also times when your circumstances change, and if you don’t update your insurance coverage accordingly, you might find yourself with a gap in coverage. If you have certain high value items such as jewelry or collectibles, they may not be fully covered under a homeowners policy, despite coverage being available elsewhere under an add-on called a “personal articles floater.” Similarly, in the wake of  storms with intense flooding, many homeowners found out that their homeowners insurance doesn’t cover flood losses. Even if your mortgage company doesn’t require it, a flood insurance policy can be an important piece of protection you should investigate.

Speaking with a Trusted Choice agent can help you identify where there may be potential gaps and they are able to help you obtain the coverage to fill them.

A New Year is a new start, and a time to start over. Committing yourself to these resolutions can help provide you with peace of mind, more protection and, hopefully, a little more money in your wallet to start the year. Happy 2016!!

Source: Trusted Choice

Posted 9:00 AM  View Comments

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Home Page Make A Payment About Us Get A Quote Customer Service File A Claim Contact Us Refer A Friend Privacy Policy RSS Google+ Insurance Website Design by Insurance Website Builder