2015 Annual Insurance Review

2015 Annual Insurance ReviewStarting Off 2015 On A Covered Foot

Happy New Year! 2015 is here, which means it is time for your annual insurance review. In order to feel confident that your insurance policies will provide you with the utmost care and protection, you must confirm coverage and alter your policies as necessary. We all get so caught up with the daily demands of life that we often neglect this task, which can prove to be extremely consequential. When conducting your 2015 annual insurance review, we recommend asking the following questions:

  • I recently upgraded my home, is that covered? If you failed to tell your insurance agent about the new deck you just installed, it may not be receiving coverage. Therefore, learning about where coverage lacks now can prepare you for the unexpected.
  • Does my policy provide me with enough coverage where I could rebuild my home today if necessary? Since you likely purchased your policy years ago, the coverage you have may no longer be sufficient.
  • I purchased a great deal of valuables in 2014, are they covered? If 2014 was a year of upgrading for you, you may be in need of scheduled personal property coverage. This form of protection will provide each of your most valuable possessions with guaranteed coverage at replacement cost value.
  • Are there any insurance discounts out there that I am currently not utilizing? Since discounts change year after year, it is always worth seeing if you are taking advantage of them all. For example, the green discount was not available five years ago, but today, you can be rewarded for your green efforts.

Happy New Year from our family to yours! Have you completed your 2015 annual insurance review? Contact The Misner Agency for your insurance needs. We operate in Bloomingburg, Livingston Manor, Westtown, and Woodbourne, NY.