My New Blog

*Compare policies. Always deal with an "independent insurance agent"....one that represents several different companies for your specific risk.

Be sure that your agent "shops around" for you to be certain that you are getting the best policy for your money. Remember, however, that the cheapest policy will not always be the  best one for you.

Don't compare only costs; compare resources and most especially, compare services.

*Ask yourself the following questions:

Have you read every word of the insurance policy that you are buying?

Do you understand the definitions the insurance company uses?

What will your policy specifically cover?

What will your policy specifically not cover?

What will it take to qualify for your benefits?

*Make sure that your agent reviews your policies with you every 2-3 years to make sure that they are still responsive to your needs. ..

Have you made major improvements to your home?

Did your youngest child finish college?

Did you or your spouse become eligible for Social Security benefits?

Have you & your spouse recently divorced?

These kinds of life changes may mean that your insurance coverage should change too.