Tips to help your insurance agent help you

Periodically review your insurance needs with your agent.

Periodically review your insurance needs with your agent.

You count on your independent insurance agent to guide you through the purchase of personal insurance coverage tailored to meet your needs. But after the initial purchase, how often do you re-examine your policies? Your independent agent can also help you evaluate coverage periodically as your needs change.

Review at renewal

Renewals are a great opportunity to verify that you are properly insured. When you receive your renewal information from your agent or carrier – usually several weeks prior to the policy renewal date – check your coverages to make sure they’re still appropriate to your situation. If something has changed, mention it to your agent. Read More

’Tis the season for giving…and insuring

Remember to add valuable gifts to your insurance policy.

Remember to add valuable
gifts to your insurance policy.

The holidays provide us with good reasons for presenting special – and often valuable – gifts to our loved ones. In the excitement of surprising someone with a gift that makes a big impression, remember that properly insuring expensive gifts can bring you peace and joy long after the holiday season is over. Follow these tips for insuring new jewelry and valuables:

  • Consider taking advantage of a store’s or manufacturer’s warranties or guarantees, but don’t mistake them for insurance. For example, some major jewelry chains offer limited guarantees on gemstone and diamond replacement or repairs.

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Your home inventory: How to get started

photographing-ring

Photograph new purchases to update your inventory.

Second of two parts
So you know why you need a home inventory, but where to start? There are several tools available to help you document your home inventory.

  • The National Association of Insurance Commissioners has a free app called MyHOME Scr.APP.book to electronically store home inventory room by room, including photos, descriptions and purchase information. Apple® or Android® users can visit the iTunes® Store or Android® Market and search for NAIC.
  • Those without a tablet or smartphone will find a downloadable home inventory list with appliances, electronics, furniture and other items found in many homes.

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Your home inventory: Why you need one

home-inventory

It’s important to have a home inventory.

First of two parts
Home values have been a top concern in recent years, but how often do we pause and think about the value of the possessions inside our homes? If you’re a renter, homeowner or condo owner, when was the last time you took an inventory of the contents of your home?

A home inventory is a listing of the contents of your home and the cost to replace them if lost or damaged. Despite the numerous benefits in detailing an inventory of our homes, the National Association of Insurance Commissioners indicates that nearly 60 percent of Americans do not have a list of their homes’ contents.
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