Getting Ready for Spring!

Here are a few protection gaps worth a quick check. Because what matters most deserves coverage that actually fits your life-insurance isn’t one-size-fits-all.

Home

• When’s the last time you reviewed your home insurance? Coverage can get outdated as your home and costs change.

• Do you have the right “add-ons” (endorsements)? These are optional upgrades that can fill common gaps in a standard policy.

• Some cosmetic damage may not be covered. For example, dents or marks to things like windows, doors, gutters, or siding from hail/wind may be limited or excluded depending on your policy.

• Have you updated your roof? If your roof’s age is newer, there are savings on premiums! If older, understand the replacement cost schedule as it could possibly receive less payout in a claim.

Umbrella

An Umbrella Policy can provide added liability protection, for a variety of lifestyle situations! For example:

• Have a youthful driver
• Coach a kids’ sports team
• Volunteer
• Travel abroad
• Host groups of people
• Own a pool

Auto

• If you drive for a delivery or rideshare service (Uber, Lyft, DoorDash), additional coverage may be required.

• Have you increased your deductibles to see savings? Higher deductibles mean lower premiums.

Life

• Do you own anything outside of work? Most work policies don’t come with you if you make a career change!

As life changes, so does your insurance need. Do you have enough coverage?