Ten things you should know about your insurance…

6. All-Terrain Vehicles (ATVs) and Jet Skis are often excluded under your standard policy.
There are two exposures to consider. Coverage is needed if the vehicle is damaged or stolen. Coverage is also needed for any liability resulting from your operation of one of these vehicles. Specific policies or endorsements are available to address both issues.

Auto Insurance

7. Double your auto coverage without doubling your premium.


Most people do not have enough liability coverage on their auto policies to protect their current assets and future incomes. Once your insurance limits are paid, you become personally liable for any difference. We can show you how higher liability limits will not dramatically increase your premium.

8. Consider a higher Collision deductible.


Collision coverage represents a large portion of your premium. Therefore, taking a higher deductible can have a substantial savings impact. If you don’t report small collisions to avoid rate increases, paying for a lower deductible may not be to your advantage. We can show you if a higher deductible makes sense.

9. Consider a lower Comprehensive deductible.


Comprehensive claims include theft, fire, broken windshields, flood, falling objects, and vandalism, among others. Most companies will not increase your rates after a Comprehensive claim so there is no penalty for filing a smaller claim. Comprehensive premium is much lower than Collision, so it does not cost much to carry more coverage.

10. Your Uninsured Motorist coverage should match your liability coverage.


Uninsured Motorist provides coverage for you and your passengers should you be injured by someone without insurance. Uninsured Motorist coverage also provides coverage if someone injures you or your passengers but does not have enough insurance to cover the injuries and related expenses.Even with medical coverage, Uninsured Motorist coverage can reimburse you for lost income, additional costs incurred, and pain and suffering that you would be entitled. Why would you want to cover someone for a higher limit (liability coverage) than you would for your own family?

We believe it is better to understand your coverage before you have a loss.

Therefore, we offer complementary reviews and evaluations to help you understand those areas where you may be exposed. Please feel free to contact us to set up an appointment.