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

Personal umbrella policy: Your liability safety net

personal-umbrella-policy

A personal umbrella policy adds an extra layer of insurance protection.

When accidents happen, lawsuits may follow. You can protect your financial assets and future earnings by purchasing a personal umbrella liability policy.

A personal umbrella policy works with your existing insurance to add the extra layer of protection that you may need. After all, you don’t have to be a millionaire to be sued for $1 million.

Auto

Liability coverage on your auto policy protects you when there is damage or an injury caused by you, a family member or even someone else using your car with your permission. Your auto policy coverage limits could be exhausted in a serious accident; that’s where the umbrella policy steps in.
Read More