Feb 6, 2018
When's the last time you scheduled a review of your insurance policies with one of our customer service representatives? For the time it would take to shuffle a load of laundry, you can have the peace of mind that your policies are fully up-to-date and ready for anything that comes your way in 2016.
What does a care review include? Let’s touch on a few items we review to make sure your home and auto insurance policies are up to speed with your life.
Homeowners policies – We’ll review your personal belongings list and ensure they’re covered under your policy, and check your liability coverage for the proper amount. In the event of a disaster or theft, items not inventoried will be difficult to compensate for. If you’ve made any changes to your home – such as remodeling or additions – the review process will make sure your policy includes them.
Feel like your rate may need to be adjusted? Updating your policy can save you money, even if it means increasing your deductible. You may even catch new offers and lower rates if your policy is updated in a timely fashion.
Also, now is a good time for home inspections, too. Having a home inspection conducted now might reduce your rates in the near future.
Automobile policies – When we perform a care review of your auto policy we look for several things that may alter the amount of your investment. Have you added a vehicle or do you plan to do so soon? When you insure more than one vehicle, you typically pay a lower rate.
If you and/or the other drivers in your home are “good drivers” – that is, haven't had an accident in the past three to five years – your policy may be affected by good driver discounts. Or, does your current vehicle have safety equipment your previous vehicle didn’t? Discounts are available for cars with air bags, anti-lock brake systems, anti-theft systems and daytime running lights.
Good student discounts are big money savers, too. If your child didn't qualify last time around you can add it now!
Call us today at 386-738-2000 or email Sean at sean [at] seanryaninsurance [dot] com to discuss how your policy can be customized to account for all the discounts available to you.