Now is a great time to review your insurance coverage with your agent and update your policies.
Did you get new jewelry, cameras, fine arts or other high valued items over the holidays? You may need to schedule these items to be fully protected. Additionally, scheduling an item usually eliminates your deductible and broadens the coverage.
Have you looked at the limits on your auto insurance? Remember that uninsured and underinsured coverage is there to protect you against drivers with little or no coverage. This limit should be equal to the coverage you carry for injury to others.
Do you have an umbrella policy? Umbrella policies are pretty inexpensive ways to increase both your auto and home liability limits. You can typically get a $1,000,000 limit for $200-300 a year.
Have you made major renovations to your home? You may need to increase the dwelling limit to be sure there is enough coverage in the event of a major or total loss.
Make reviewing your insurance needs an annual New Year’s resolution so there are no surprises should you have the misfortune of having a claim.
Please feel free to contact Josiah Hatch or myself should you have questions regarding your insurance needs. Josiah@hrhatch.com or John@hrhatch.com
HR Hatch Insurance 