Help us improve your policy, year after year! 

​Knowing where coverage begins and ends is important. Knowing your options is equally important. Check the following links to get more info on common coverages, and then give us a call to review your policy against any exclusions and limitations!

Home Insurance

Auto Insurance

HOME INSURANCE
​A QUICK REVIEW CHECKLIST

Keeping us, your independent insurance agent informed about changes in your life and home is crucial to maintaining an accurate homeowners insurance policy. Here's a list of things that may have changed in the past year that you should share with your dedicated agent:

Home Renovations

Any home improvements or renovations that have increased the value or safety of your property.

New Additions

​Inform your agent about any new additions to your home, such as a room, deck, or garage.

Change in Occupancy

If you've started renting out part of your home, have new tenants, or family members have moved in or out, let your agent know

Home Security

Upgrades or changes to your home security system, like installing alarms or security cameras

Personal Property

If you've acquired valuable items, like art, jewelry, or collectibles, you should discuss whether your personal property coverage is sufficient

Home Office

If you're running a business from home or have set up a dedicated home office, it could impact your coverage needs

Major purchases

Any significant purchases, such as expensive electronics or appliances, that may affect your personal property coverage

changes in marital / residence status

Marriage or divorce can impact your insurance needs, including the need to adjust liability coverage or beneficiary designations

New pets

If you've acquired a new pet, especially a breed with a reputation for aggression, your agent should be informed

updates for insurance deductibles

​If you want to adjust your deductible to impact your premium, discuss this with your agent

Life events

​Changes like the birth of a child, a child moving out, or retirement can affect your insurance needs

claims history

If you've filed any insurance claims in the past year that were not with us, your agent should be aware of them

loss of discounts

If any discounts you previously received are no longer applicable, let your agent know to explore potential new discounts

rental property

If you've purchased a rental property, this should be disclosed to your agent, as it may require a separate policy

safety measures

Inform your agent about any safety measures you've implemented, such as installing fire extinguishers or fire-resistant roofing

homeownership status

If you've paid off your mortgage or changed your mortgage provider, update your agent with this information

legal matters

Any legal issues or liability concerns that have arisen in the past year should be discussed with your agent

regulatory changes

​Updates to local building codes or regulations that could affect your insurance coverage should be communicated to your agent

New roof

Replace your roof? Let your agent know! It can be a huge discount

Regular communication with your independent insurance agent is key to ensuring that your homeowners insurance policy remains up-to-date and provides the appropriate level of coverage for your evolving needs and circumstances. They can help you make informed decisions and adjust your policy as necessary.

​***Please understand, this is not a comprehensive list, nor is it supposed to act as a complete renewal review tool. If you feel there may be other things that affect your coverage, please call us; we would be happy to talk it through.

AUTO INSURANCE
A QUICK REVIEW CHECKLIST

Keeping your independent insurance agent informed about changes in your life and auto-related matters is important to maintaining an accurate auto insurance policy. Here's a list of things that may have changed about your auto insurance in the past year that you should share with your agent:

Changes in vehicles

If you purchased a new vehicle or sold an existing one, provide details to update your policy.

vehicle use

​Any changes in how you use your vehicle, such as for commuting, business use, or occasional use, should be communicated.

driver status

​Notify your agent about any new drivers in your household or any drivers who are no longer using the insured vehicle

driver license status

Any changes in the driver's license status of household members, such as new licenses, suspensions, or revocations, should be reported

discounts

If you become eligible for new discounts, such as a good student discount for a family member, let your agent know

address change

If you've moved to a new residence, you need to update your address on the policy

job change

If your employment situation has changed, it might affect your commuting patterns and, consequently, your insurance needs

marital status

Marriage or divorce can impact your auto insurance, as it may affect the drivers and vehicles on the policy

claims history

Any auto insurance claims you've filed in the past year should be reported to your agent. We know about the ones with us, but sometimes claims are filed against other people or another policy we don't write

additional policies

​If you've bundled your auto insurance with other policies, such as homeowners or renters insurance, your agent should be informed

NEW SAFETY FEATURES

If you've added safety features to your vehicle, such as advanced driver-assistance systems, it may qualify for discounts or affect your coverage needs

ANTIQUE OR CLASSIC CAR

If you own a classic or antique car, you may need a specialized policy, and this should be discussed with your agent

CHANGES IN USE

If you're using your vehicle for ridesharing or delivery services, you should inform your agent as it can affect your coverage

VEHICLE MODIFICATIONS

Inform your agent about any significant modifications to your vehicle, such as customizations, engine upgrades, or performance enhancements

GARAGE LOCATION

If you've moved your vehicle to a different garage location, such as a new storage facility or garage, your agent should be aware

AUTO LOAN OR LEASE

If you've paid off a car loan or lease or acquired a new one, your insurance agent may need to adjust your coverage

POLICY LIMITS / CHANGE IN INCOME

Review your policy limits and make sure they align with your current financial situation and potential liabilities

NEW TICKETS

Changes in how often and where you drive your vehicle can affect your insurance needs

NEW TRAILER, REC VEHICLES OR MOTORCYCLES

Have you gotten a new side-by-side? Four wheeler? Off road vehicle? Snowmobile? Camper? Motorhome? Other? Let your agent know- we can make sure you have the proper coverage

Keeping us, your independent insurance agent informed of these changes will help ensure that your auto insurance policy remains up-to-date and provides the right level of coverage to meet your evolving needs and circumstances. They can assist you in making necessary adjustments to your policy to maintain proper protection.

***Please understand, this is not a comprehensive list, nor is it supposed to act as a complete renewal review tool. If you feel there may be other things that affect your coverage, please call us; we would be happy to talk it through.