When was the last time you reviewed what your insurance covers? If it’s been more than two years, it’s time to sit down with an experienced agent and determine if you have what you need and you need what you have.
Changes to coverages have occurred in recent years that may affect your package:
- Coverage for backups to sewers and drains may limited or excluded leaving your finished basement and the things in it uncovered on your policy.
- You may have been rerated by your insurance company. Many carriers increase premiums based on not returning an annual mileage census, your consumer credit report or “act of God” claims.
- Optional – but important – coverages might be missing. For example, if you own a relatively new vehicle and you’re involved in an accident that totals your car, an optional endorsement called “gap” coverage covers the value of the car vs. what may yet be owed.
- You may have more belongings or more valuable belongings than the standard percentage for coverage on your personal property. A thorough review reveals underinsured personal property.
Sit down with the insurance professionals at Axcess Insurance Services Group for an insurance review. We’ll run your optimal package with our 20 insurance companies to get the best value. Call us for a review today.