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Top 10 Insurance Tips

  1. Buy Insurance - make sure you HAVE insurance. Not all situations require insurance.
  2. Is your coverage adequate? If you have lived in your home more than five years, it's time to update your coverage to protect your investments.
  3. While reviewing your policy, check policy limits on extra's such as jewelry; coins & silver. If you have any valuables, they must be on a rider to be covered over a certain dollar amount. Don't assume!
  4. Make sure you know what your deductibles are. Sometimes these get lost in the translation. Check hurricane & flood deductibles. Also check the amount of content coverage you have if applicable.
  5. Where is your policy? Keep your policy in a safe place. Know how to contact your agent or claims reporting number.
  6. In case of a claim - call ASAP to report any damages so they can advise you on how to proceed.
  7. If you can not reach someone to report a claim, take the necessary steps to prevent any further damage or loss. Document losses by taking pictures! Any materials purchased for prevention, such as a tarp to cover roof damage, are all reimbursable expenses. Keep receipts.
  8. Take preventative measures before any loss occurs! Take pictures or video of contents of your home and keep in a safe place. You probably have more than you can think of in difficult times of a loss. There are services that will video contents of your home for you.
  9. Better to be safe than sorry - be insured.
  10. And last - insurance is one of those necessary evils that we can't live with or without - IF you never need it!