Get Your Insurance Ready for the New Year with These Insurance Resolutions!

Improve your coverage with these insurance resolutions for the New Year!

It’s time to celebrate and ring in the New Year! However, along with all the fireworks and champagne, it’s a good time to get your insurance in order for the New Year. Ensure that you have the right coverage all year long. Check out these insurance resolutions to help you get what you need from your coverage.

Update Your Home Inventory.

In the event of a disaster, homeowners insurance is a necessary safeguard to protect the structure of your home and its contents. However, it’s important to regularly update your coverage. Not only must you update your limits when you remodel your home, but if you’ve purchased any new items this past year, it’s a good idea to update your home inventory. That way you’ll have an accurate account of what you own so that it can be replaced after a disaster.

Look at Your Policy’s Covered Perils.

When it comes to your home insurance policy, it’s important to look at your home’s covered perils. You may think that once you purchase homeowners insurance, you’re protected from any disasters that may affect your home, but that’s not necessarily the case. Often times disasters like flooding aren’t covered by your home insurance policies. Additionally, your coverage usually won’t overlap with other forms of coverage. For example, if you operate a home business, your homeowners insurance won’t give you the coverage that you need to cover any professional liabilities. Look at how your policy gives you coverage so that you can add on the right policy endorsements.

Ask About Discounts.

When it comes to saving, it never hurts to ask. Talk to your insurance agent about whether or not you qualify for any additional discounts. That way you can make the necessary adjustments to help you save on your coverage.

Get the right insurance coverage in the New Year. That way you can rest easy knowing that you’re protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.