Your Policy Review
We Make sure your coverage matches your lifestyle
When was the last time you reviewed your insurance?
Since then, if you’ve gotten married, had a baby, added a four-legged friend to your family, sent a kid off to college, finished your basement, bought a trampoline, replaced your roof or made a big purchase like a diamond ring or a set of golf clubs, your insurance is most likely out-of-date and it is time for a review. As a good rule of thumb, when there’s a change in your life, more likely than not, your insurance will need to change, too.
Schedule a time on our calendar
Works with all calendars
Thanks in advance for taking the time to visit with us to make sure we are all on the same page. This tool works with all calendars, if you don’t have a calendar to connect you can still see what works on our end and schedule it with us.
We will follow up a couple of times in advance to make sure we are still good to go for our scheduled time. We like to use Zoom for these so we can share our screen while we are talking. If you don’t use zoom we can go old school and do over the telephone.
Items you wish to address
We can discuss anything that is important, so please complete the quick pre-review survey below. There you can address any important item or change in the comment section.
Household members – Be sure to include all adults living in the household so if property is damaged that belongs to that individual it will be covered.
Dwelling coverage – This is the most important aspect of the homeowner insurance policy as it provides coverage for your home itself. If you have not reviewed this coverage in years like many homeowners it is likely not sufficient. Be sure to inform your agent of any new additions, remodels and discrepancies in building materials that the current policy shows.
Personal Property – While the majority of your property will be covered under the blanket coverage there are items like jewelry and art that may need special attention. The number one underinsured item in a house is an engagement ring. These rings average $8000 in value yet most home insurance policies won’t cover them unless there is a jewelry floater on it. Be sure to ask your agent about any valuable jewelry, fine art, collectibles or guns.
Liability coverage – Most home insurance companies offer $300,000 as a base package but it is little known that you can get $1 million in liability protection for as little as $25 per year. Ask your company how much it would be to increase liability to $1 million.
Vacant land – Many people own vacant land that is not currently protected for liability claims. Most home insurance companies offer to add liability protection for this vacant land at little or no addition cost.
Discounts – As with auto insurance there may be discounts you are eligible for but not getting yet. If you have a central burglar alarm or high quality roof these can save you another 10-20%. Always ask your agent to review for any possible discounts you are not getting.
“Always communicating with our clients allows us to provide great advice and customized coverages"
Ken Caiani Co-Owner
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