Tips About Renewing Your Insurance

1. Review Coverage for Potential Gaps - Look at your current policy and ask your independent insurance agent if there are areas where you need more coverage.

2. Adjust Add-ons - Review what add-ons you have with your independent insurance agent and determine if they are no longer necessary or if you need to increase coverage.

3. Consider Changes in Risk - Life events happen, you might find yourself in a job that's a bit risker than your last, or vice versa.

4. Prepare for a Rate Increase - There's no guarantee your insurance will increase year over year, but it's never a bad idea to anticipate that it likely will.

5. Go Over Your Personal Details - Changes big and small such as age, marital status, or location can all impact your coverage.

6. Check to See if You Can Change Coverage - You might also decide that you're unhappy with your current coverage and want something new.

7. Weigh Cost vs. Value - Before your renewal date, ask your independent insurance agent to help you find the right coverage at the right price.

8. Explore Bundling Options - Bundling your coverage can typically help you save money over having each policy separately.

9. Read Your Coverage Triggers - As your renewal date approaches, make sure you understand how your policy works and what to do if you need to file a claim.

10. Look at Your Beneficiaries - In many cases, the person you listed a year ago might not change, but sometimes, events and life changes happen that can impact your choice.

If you have any questions please reach out and we are happy to help!