Do You Know What Your Insurance Covers?

A recent survey found that 65% of Americans have no clue what their home insurance policy fully covers.  45% said they’ve had an insurance claim denied because they didn’t have the coverage. 

This is why you need to periodically talk with your local insurance agent to remember what coverage you have and whether you need to make changes.
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Here are 9 questions to help guide your conversation:

• What are my deductibles on my auto and home insurance? 
• Do I need more than the minimum liability coverage?
• What do I do if I get in a car accident?
• What costs will I need to cover out-of-pocket if I need to file a claim?
• What do my auto and homeowners insurance cover/not cover? 
• Should I increase my coverage when I make updates to my house?
• Am I eligible for any discounts?
• Do I need to consider any additional endorsements/riders? 
• Do I need an umbrella policy?

 
Have you reviewed your policies with a local insurance expert lately?  If not, give him a call today.