While you’ve probably made some sound New Year’s resolutions for 2022, you may also want to consider a few that will give you more peace of mind and better protection.
Our ideas for insurance-related resolutions can save you money and ensure that all of your important assets are properly insured. You may want to think about the following three resolutions:
- Investigate premium discounts – Insurance companies price their policies based on the amount of risk they are taking to insure you. But there are steps you can take to reduce your risks, and as a result lower your premiums.
While you are already likely taking advantage of various premium discounts, you may not know about others that insurers offer. You can call us to find out if you qualify for any of the following:
- Anti-theft devices (car) or home security alarms
- Multiple policies discounts (if you have more than one policy with the same insurer)
- College students living 100 or more miles from home without a car
- Defensive driving courses
- Good credit record
- Long-time customer
- More than one car
- Student drivers with good grades
Another way to reduce your auto premiums is to raise the deductible on your vehicle collision and comprehensive coverage.
- Make a home inventory – The reason we purchase insurance is to help us recover, rebuild and replace after a loss.
The last year has seen high hurricane, tornado and wildfire activity, and flooding, all resulting in thousands of Americans losing their possessions and homes.
Keeping a comprehensive home inventory (and updating it annually) can help you replace your belongings after a loss, as accurate records will make it less likely that there will be a dispute between you and your insurer if you ever file a claim.
- Identify and fix coverage gaps – One scenario you do not want to experience is filing a claim only to find out that your loss isn’t covered under any of your policies.
We can work with you to try and eliminate those scenarios, but there are also times when your circumstances change. If you don’t update your insurance coverage accordingly, you might find yourself with a gap in coverage.
Pay extra attention to big-ticket items like jewelry and collectibles, which may not be fully covered under your homeowner’s policy. If this is the case, you may want to consider a “personal articles floater.”
Similarly, you should look into flood insurance if you are not already covered. Flooding is not covered by a typical homeowner’s policy and even if your mortgage provider does not require it, it doesn’t mean you don’t need it.
Contact us so we can find potential gaps in your coverage and discounts that may put a little more money in your pocket this year.
If you need more information please call us at 425-771-9000 or get a free instant auto Insurance quote online today!
Are you looking for auto insurance in Lynnwood, WA? We are a local insurance independent agent protecting all aspects of your life, from your business to your autos and home, we have you covered! The benefit of choosing an independent agent like us means options. We have relationships with many top-rated carriers to give you the auto insurance coverage you need that fits your budget.