| Time for an Insurance Check-Up |
 Auto & Home
Your life is constantly changing, and some of these lifestyle changes might require insurance coverage adjustments. Please ask yourself the following questions and let us know about any changes.
Auto:
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Do you have any children away at school?
- Are adult children no longer living at your residence still on your auto policy?
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Have you recently purchased a new vehicle, motorcycle, motor home or ATV?
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Do any of your children with driver's licenses qualify for a good student discount (grade B or above)?
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Would changing the amount of your deductible help save you money?
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Would switching your monthly payments to EFT save your monthly billing charges?
Home:
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Have you completed any new additions, remodeling projects or updates?
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Have you updated the plumbing, electrical or roof?
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Are there items in your basement that need protection from water damage?
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Is there any type of business being conducted from your home (such as Avon, child care, etc.)?
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Have you recently purchased any jewelry, fine art, collectibles, computers that need additional coverage?
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Is your swimming pool properly insured?
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Do you have a rental property?
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Do you have an umbrella policy that protects your family and assets against large personal liability lawsuits?
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Are you covered for identity theft?
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Business
Adequate business insurance is often overlooked and could tip the balance between your company's survival or failure. Below are a few questions to keep in mind to make sure you are properly covered. Please give us a call if you would like to make changes or review your current coverages.
- Have you added any new locations to your business?
- Have you purchased any new autos titled to your business?
- Do you have business interruption insurance?
- Has there been an increase or decrease in the number of employees?
- Has your business undergone any changes in revenue, inventory or product lines?
- Have you added or eliminated vendors?
- Do you have any unusual equipment that needs specialized coverage?
- If you have at least one employee (even part- time), do you have workers' compensation insurance?
- Have you updated the roof, electrial or plumbing on your building?
- Are you covered in the event of a lawsuit by an employee or potential employee?
- Do you have a commercial umbrella policy to insure you in the event of a catastrophic loss?
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