Tips to Review Your Insurance This New Year

How to Conduct an Annual Personal Insurance Review

Welcome to 2019! The New Year is here and in full swing. You may already have made New Year’s resolutions and hitting your daily goals. At Insurance Offices Ltd. we recommend you add one simple task to your New Year’s list of to-dos – reviewing your personal insurance in Reading, PA. Reviewing your policies helps to ensure that your coverage aligns with your current needs and it gives you an opportunity to understand what’s covered and ask your insurance for available discounts. Take a look at these tips on how to review your insurance this New Year.

Make sure you have all your policy information. Now is a good time to gather your policies and ensure they are kept in a safe location. Whether you need to dig through your email inbox or find that file you tucked away in the home office, it’s a good idea to find your policies before you need them!

Review each policy. Read through your policies to familiarize yourself with your coverage, limits, riders, and exclusions. Once you know what coverage you have already, you can determine whether it is still relevant in 2019.

Assess your deductibles. Your deductible is the amount of money you will have to pay before the insurance policy kicks in. Increasing your deductible is a great way to save on your premiums, but it does require you to be able to comfortably afford this amount in the event of a claim. Talk with your agent to find a deductible that suits your financial needs.

Consider any new risks. Cast your mind back to when you last reviewed your policies. Has your lifestyle changed? Perhaps you started parking your car on the street instead of a personal garage. Perhaps you receive high-value items over the holiday season that will need protection. Perhaps you renovated the kitchen. Any changes, small or large, could affect your insurance. Let your insurance know so that they can customize your policies.

Do you need help reviewing your coverage or finding the right insurance policies for your needs? Contact the team at Insurance Offices Ltd. to get started!



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