When it’s time to review your insurance package, work with an experienced insurance agent who knows to ask the right questions.
When is a good time to review your package?
- When you experience major life changes like moving, the birth of a child or a new job.
- When you invest in any major new belonging. Buying a piece of jewelry, remodeling, buying a new car, investing in an expensive toy (RV, camper, boat, motorcycle) or planning a major vacation are all reasons to connect with your insurance agent.
- When you want to save some money. An annual or bi-annual review of your insurance coverages will reveal gaps and coverage you may no longer need.
An experienced agent like those at Axcess Insurance Services Group in Hampshire can explain optional coverage and obscure exclusions on your insurance package. For example, if you or your spouse operates a small business or home business, endorsements on your homeowners’ coverage are available to cover this exposure very inexpensively. But if you don’t realize you need it, protection for that small business is usually very limited and many times, excluded.
Look for an independent agent who is licensed to work in your state and has the experience you need to make sure you get the coverage that protects you.