Working with a local, independent insurance agency offers many advantages over purchasing insurance online and navigating policies on your own. Independent agencies not only represent top insurance carriers but also act as your trusted advisors.
So, when should you take advantage of our expertise and request an insurance policy review? Here are key times when it’s essential to check your coverage:
1. During Your Annual Renewal
Your home and auto insurance policies renew every year around the same time. This is a perfect opportunity to review your coverage:
- Did your premium increase? If so, contact us!
- We can re-quote your policy, often comparing multiple carriers at once.
- If better rates are available with comparable coverage, we’ll help you switch and save.
- Since insurance rates have been trending up, your current carrier may still be the best option—but it’s always worth checking!
2. At the Start of a New Season
If you own seasonal vehicles such as a boat, RV, ATV, or motorcycle, you likely don’t use them year-round. Before bringing them out for the season, consider an insurance review to:
- Ensure your coverage is active and adequate.
- Adjust your policy for any changes in usage.
- Verify that you’re getting the right discounts.
A quick call or email to your agent can help ensure you’re properly covered before hitting the road or water.
3. If You Have Multiple Insurance Policies
Did you know bundling your insurance policies can save you money? If you have:
- Renters and auto insurance → Bundling could earn you a discount.
- Home and auto insurance → You may qualify for additional savings.
- An umbrella policy → This can often be combined with existing policies for cost benefits.
If you haven’t explored bundling, now is a great time to see how much you could save while enhancing your coverage.
4. After Making Home Upgrades
If you’ve recently renovated or upgraded your home, reach out to your agent to ensure your policy reflects those changes. Common upgrades that may impact your coverage include:
- Kitchen remodels (custom cabinets, new appliances)
- Flooring updates (hardwood, tile)
- Room additions or structural changes
Your home’s value may have increased, and ensuring you have adequate coverage can protect your investment.
5. After a Major Life Change
Life events often impact your insurance needs. Contact your agent if you:
- Got married (you may qualify for multi-policy discounts).
- Started working from home (driving less could mean lower auto premiums).
- Added a teen driver to your policy (we can help find discounts for young drivers).
- Retired or changed jobs, which may affect your risk profile.
Updating your policy ensures you’re fully covered without paying for unnecessary extras.
Let’s Review Your Insurance Today!
We encourage you to schedule an insurance review to ensure you have the right coverage at the best price. As your trusted insurance advisor, we’re here to make sure your policy fits your unique needs.
Contact G&G Independent Insurance today for a personalized review and peace of mind!
