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Checking your coverage and updating your policies are a must-do!
Welcome to 2016! Now that the new year is here, it’s time to do some reorganizing, restocking, and reviewing! While many people have put ‘save money’, ‘lose weight’, or ‘work less’ on the top of their New Year’s Resolution list, the most looming task is often forgotten about: reviewing insurance policies.
It’s easy (sometimes a little too easy) to fall into complacency when it comes to your insurance coverage. After all, it’s easier to renew than review.
To get into the habit of doing an annual checkup, schedule it for the beginning of the year as it marks a fresh start and the means to continue! Not only does reviewing mean you are finding the best rate for your policy, but it’ll highlight gaps in coverage, missing discounts you’re eligible for, and coverage for additional items.
Additions
Have you converted the barn into a bedroom? Did you receive a high-value piece of jewelry under the tree at Christmas? Is your teenager about to start learning to drive? Any new additions to your home, car, or possessions, should be covered.
A new pool or a renovated kitchen requires your homeowners insurance policy to be updated. As your policy covers expenses to rebuild your home today, if the value of your home increases, your insurance needs to, too. Furthermore, a new pool or hot tub increases your liability risk of someone injuring themselves and filing a lawsuit against you. This requires additional coverage.
Similarly, home possessions will be covered by homeowners insurance, up to a certain limit. If your expensive TV, family heirloom or sporting equipment exceed this limit, additional personal property coverage must be attained in order for these pieces to be protected.
If you’re driving more miles each day, your auto insurance should be updated. If your teenager is about to learn to drive, he or she will need to be added to your policy!
Discounts
Small changes such as adding a home burglar system to your house may allow you to receive a discount on your homeowners insurance! You may be eligible for substantial discounts on your life insurance if you quit smoking! Review your policy to see where you could be saving!
Are you ready for an overhaul of your policies? Contact All Nevada Insurance for all of your Las Vegas, Nevada quality insurance needs!
