When was the last time you reviewed your insurance coverage? The start of a New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of coverage and price.

Insurance “To Do” List

·         Review my insurance to make sure I have the right coverage

·         Take the time to read my insurance policies

·         Consider increasing my umbrella coverage

·         Check my credit score

·         Get a quote for earthquake insurance

·         Consider an alarm system

·         Clean my gutters

·         Have I replaced all the batteries in my smoke detectors?

·         Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?

·         Consider increasing my auto deductibles on my older vehicles

·         Make sure I have identity theft insurance

·         Combine my auto and home insurance to save money

·         Complete a home inventory to ensure my property values are correct

·         Do I have enough life insurance?

·         Do I need life insurance for my spouse?

·         Have there been any of the following changes in my life situations?

o   Bought  a new car or sold a car

o   Changed your marital status

o   Bought a boat, RV or ATV

o   Change of address

o   Welcomed a new baby into the family

o   Major inheritance

o   Have a new teen driver in the family

o   New purchase of guns, jewelry or art

o   Child headed off to college

o   Child over the age of 26

o   Purchased second home

o   Plan foreign travel

o   Started a home based business

o   Retirement

o   I now drive my personal car for work

Please call our office today if you need to make any changes in your insurance program. 

It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically include watches, jewelry, art, cameras and other valuable items.

CNN reports that Valentine’s gift spending will reach $18.6 billion dollars this year. $4.4 billion dollars will be spent on jewelry alone. Other interesting Valentine’s Day facts:

Read more: Do You Love Your Valentine’s Gift? You May Want to Insure It.

Insurance can be confusing to many people. But here are few interesting facts to get you thinking about your insurance program. We can offer the right combination of pricing and coverage on your home, auto, boat, and business insurance.

Read more: Personal Insurance Facts

It is that time of year to set goals, review business plans and look forward to a prosperous 2014. Part of your planning should include an annual business insurance review. Your business changes, and so do your exposures. After you review some of these items, call our office and we will be happy to discuss these and more with you.

Read more: 2014 Business Insurance Planning

It seems like you can’t get through a TV show or read a magazine without seeing an auto insurance ad. Big insurance companies spend billions to get your business. But are they really giving you the best coverage designed specifically for you?

Here are a few auto insurance myths we have seen, that you need to know about:

Read more: Don’t be Fooled…Auto Insurance Myths