Why should you speak with your insurance agent each and every year?
How Speaking with an Insurance Agent can Help you.
What can your insurance broker learn by speaking with you?
Consumers of Insurance – often are unaware that their Insurance needs are constantly changing. Changing for a full variety of reasons. One particular example that is rather obvious is clients becoming newly married. Talk about Insurance Coverage Changes! First they need to Select the One Insurance Company or Insurance Agent to represent them. Then they quickly need to move to changing and modifying coverages. Next they will be Exploring newer and often higher liability amounts. Pooling risks never seemed so intricate. However not all coverage changes are so grand and as clear.
One example of a coverage change that is not so obvious is when kids go off to college. Think that your personal property coverage for your kids merely extends to their off campus apartment? You better call your insurance agent as their is a whole mix of changes that may need to be made for both the auto, home, and umbrella policy.
What Else Could Be Changing:
The Coverage that is required by your home, either by valuation or coverage type.
The number of insureds in a home, either by birth, death, or moving out.
Changing of lifestyles as in kids moving off to college, insureds divorcing or retiring.
An expanding or shrinking net worth.
Changes in careers. One Spouse who stops working.
Purchase of Investment properties or other specialized land purchases.
Collections and Valuations Coverages such as wine, comic books, coins, etc.
There is of course the obvious reason that your home or auto insurer may be cancelling your insurance for many different reasons.
This is really just a partial list.
Why you should Check in with your Insurance Broker?
As you can see from the short list of items above, a lot about your life could be changing. Much of your risk profile could be different year over year. Since property coverage is based on what you own, its easy to understand why you should reconsider your insurance needs.
Since liability coverage to a certain extent is loosely based on a liability profile and asserts owned, one can also imagine why their insurance should change as well.
Since so many of these things will be changing year over year, Clients that often speak with their insurance agency typically have a better and more customized coverage program in place. With more information an Insurance broker will be more likely to lower your overall costs and just focus on the coverages that you need and want and not insurance that does not best fit your lifestyle.
In summary the next time your Independent Insurance Broker reaches out to schedule 15 minutes of your time, take his or her call – he may be able to save you money and increase your insurance coverage.
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