From the desk of Dawn Kleinschmidt
As we start preparing for a new year, it is important to review our insurance exposures. Your insurance
agent needs to know if you have made changes around your home to ensure your home insurance
policy is up to date. For example:
1. Have you installed a swimming pool?
2. Bought a trampoline?
3. Added a pet to the family?
4. Installed a monitored alarm?
5. Put a new roof on your home?
All of these are important to ensure you are receiving the best rate possible as well as being properly
protected. The first of the year is also a wonderful time to review your auto insurance policy. Here are
some questions you should ask:
1. Do you have affordable deductibles on comprehensive and collision?
2. Do you have roadside assistance?
3. Have you paid off a vehicle?
i. If yes, confirm the lienholder has been removed from the policy.
One of the most important recommendations I can make is to consider flood insurance. Hurricane
season starts June 1st. We have seen severe storms and flooding the past few years. Flood insurance
offers peace of mind knowing your home is protected. So many people think they do not need flood
insurance until it is too late. There is a 30-day waiting period to purchase flood so do not wait!
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developed from sources believed to be accurate and should not be regarded as a complete analysis of the subjects discussed. All expressions of
opinion reflect the judgment of the author and are subject to change. The information in this material is not intended as tax or legal advice. A
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