Planning for the Year Ahead: Review Your Insurance Policies

As the New Year is upon us and we are making resolutions, promise yourself to review your insurance policies so you know where you stand. Too often, we only look at our insurance policies when we first get them in the mail. For example, we forget to update our coverages when we remodel our homes, or when our children begin to drive. Not having a regular insurance checkup can lead to complications later on.
So, while we are making other resolutions, let’s resolve to sit down with us and get an insurance check up. At Farmers we call it a Farmers Friendly Review. A Farmers Friendly Review is our way of helping you design an insurance program to meet your ever-changing insurance needs. There may be events in your life, such as a change in marital status, the birth of a child or the purchase of a home that could affect your insurance coverage. So when you have your meeting, be sure to review:

• The members of your family included on your auto insurance and make sure ages match.
• The amount of your deductible/coverage in case of an accident.
• Do you have rental car insurance, and for how much?
• What perils are covered in your homeowners insurance? Do you want to add flood or earthquake coverage, both of which are not covered under standard homeowners policies.
• The amount of your deductible for your homeowners insurance.
• Whether or not you need additional insurance for jewelry, guns or collections.

Also, be sure to talk to us to understand the replacement cost of your home as this number often gets confused with the market value of your home.

Make that appointment today call 360-414-8754 or 360-736-8090 to talk about which options you feel are best for you.