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We know you’re busy, but taking twenty minutes to review your insurance coverage with us could save you money, protect you in the event of a lawsuit and help you avoid losing valuable property. Lives change all of the time and, inevitably these changes affect your needs for insurance coverage. Any changes in your life circumstances should be considered in your insurance needs. The more common changes include new address, adding a vehicle or new driver, or perhaps adding valuable jewelry. Failing to update your policies could result in non-renewal or, even worse, a claim not being covered. Contact an Encharter insurance professional to discuss any insurance changes 413.475.7283.
Homeowners often forget about reviewing their homeowner’s coverage because their mortgage company pays it. A home renovation or upgrade can affect the value of your home and the coverage you need and potentially qualify you for additional discounts. Furthermore, if you insured your home for a certain amount when you bought it, the home may have increased in value significantly over the years, even without renovations. This could leave you with a coverage gap, making rebuilding difficult if the home is lost in a fire or other disaster.
As your home ages, you may want to add coverages such as “Ordinance or Law,” which provides coverage in case of a loss to update the home to meet new municipal code requirements. Another coverage that every homeowner should consider is Water Backup, which covers damage to your property caused by a clogged sewer line, failed sump pump, and backed-up drains. It also covers mold damage to your home caused by water or sewer backup. The prevalence of these types of incidences has increased significantly over the past few years. If you have any questions, contact our office at 413.475.7283 or complete our online quote form today!
Perhaps the most common reason to review your policies is to be sure you are taking full advantage of all of the discounts available to you. Insurance companies offer a variety of discounts which change from time to time and vary by company. Your agent can look for the options and evaluate if you would be better off with a different insurance company. But, of course, you have the final say on where you want to place your insurance coverage.
Next time your insurance comes up for renewal, take the time to speak with your Encharter agent. The small investment of time will provide you with the peace of mind of knowing the things you value most are well protected. Contact an Encharter insurance professional today for a renewal review 413.475.7283.
