The new year is a time of reflection; a ready-made reminder to us all that we should perhaps take stock of what's happened and what will come next. And this makes it an excellent time to evaluate our insurance policies and make sure everything is on track going into 2022. Here are our Top 10 Tips for you.
Top 10 Tips:
Did you get or give jewelry for Christmas? Jewelry has a very limited amount of coverage on your home insurance and every time you add something you should have a conversation with your insurance agent about whether or not you should specifically list the jewelry on your homeowners policy.
Putting your boat, ATV, and all other toys in storage now is a great way to keep these items covered and protected during the harsh winter months. Now is also a great time to review those to make sure you have everything listed on your home and auto policies. These items don’t have automatic coverage so you need to review them with your agent.
A question to ask yourself…what items have changed in 2021 that might mean you need to review your life insurance coverage? Or what events are going to happen in 2022 that would require more life insurance coverage?
Is your health, dental, and vision insurance up to the best level for where you and your family are in life?
Did you improve your home during the quarantine? As part of your home insurance, you are required to let your insurance company know any time you improve your home by more than 10% of its value. So…if you did some remodeling maybe you should give us CH a call.
During the quarantine did you reduce the usage of your cars? Most companies rate the cost of your auto insurance by how much you drive and if you are working from home you could save a few dollars a year.
Are there new discounts you may be eligible for? If you changed jobs or finished a degree you may be eligible for an additional discount on your home and auto insurance. Let us know about any major changes in your life.
What new coverages are available? Each year insurance companies come out with new and different coverages to try and separate themselves from the competition. While not all of them apply to everyone there are some that are very good coverages for low premium cost.
When Is the last time you reviewed your coverage?
Lastly, don’t forget to have us provide you with quotes for your insurance. We have a number of companies that are very competitive and provide great value for your specific needs.
If you have any questions regarding the above tips or your coverage, please do not hesitate to give us a call today at 315-234-7500 or find out more on our website www.chinsurance.cc !