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Insure Your Possessions

Do your homeowners and auto insurance policies provide all the coverage you need? You won’t know if you don’t periodically review your policies to determine if you have the appropriate coverage to accommodate your lifestyle.

Don’t be left out in the cold

A suburban neighborhood with close houses and cars in the driveways.

Homeowners insurance is intended to repair or replace your home if a covered event occurs. But inflation can cause the prices of materials to rise, and new building codes that have taken effect since your home was built can increase the costs of rebuilding. Make sure your homeowners coverage will replace your home at today’s costs.

Be safe on the road

Review the limits on your auto policy. If your car is an older model, you may be able to save money by dropping some coverage, such as collision.

Stay dry with umbrella coverage

An umbrella policy exceeds the coverage limits of your auto and homeowners policies. Umbrella liability coverage may protect you if you’re sued and found liable for damages incurred as a result of a vehicle accident or an accident on your property.

Be alert to changes

Your policy renewal may include notices of important changes to your coverage. Be sure to read all notices you receive from your carrier and compare your policy declarations with the previous version. You could be underinsured without being aware.

Notices & Disclosures

Article is adapted from content provided by DTS.

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