The beginning of a new year is the time to make sure your personal assets are protected.  You may have one insurance company that insures your car.  Another one covers your primary residence.  This may leave you in a precarious situation if something goes wrong.  You may be under-insured or there could be gaps in your coverage.  To get serious about protecting your personal assets in 2012, start with these simple tips:

Evaluate Your Assets. Do you have more than one home?  More than one car?  A classic car?  A motorcycle?  Art?  Other collectibles?  Jewelry? You should have a clear picture of your physical assets and the coverage that you have on each.  You should know where you are exposed and have hidden risk.      

Look for Gaps. Did you buy a new piece of jewelry for a special occasion?  Did you sell a home or buy a vacation get-away?  Do you have a driving-age teen? All of these things can create gaps in your coverage.  Your life changes every year.  An annual review will help you evaluate how those changes impact your insurance picture.

Call Us for Help.  The best time to reconsider your personal lines insurance is when you're not in a crunch.  This year, begin that review in January to make sure you are safe and covered.  Remember, accidents happen all the time. Get your house in order and make time to review your insurance coverage.  We are happy to help with that.  Just give us a call at 714-374-3282.

Wishing you a happy and prosperous new year!