Reliability is everything when it comes to insurance. When you need to make an insurance claim, you want to know that your company will have your back. Unfortunately, not all insurance companies are created equal. Luckily, there are things you can do to check if your insurance has you covered.


  • One of the biggest mistakes most homeowners make is not having adequate insurance for their property. It is imperative that you know what your policy does and does not cover. Most basic policies have limits, so you may need to purchase additional policies to have the coverage you need.
  • Pay attention to things left out of coverage limits, or whether you will be reimbursed purchase price or depreciated value for your home and overall property items.
  • Know the value of the items in your home. Taking a home inventory can help you identify what kind of insurance you will need to cover valuables should they become lost or stolen. It will also help you decide if you need extra coverage for larger ticket items such as jewelry, art, or heirlooms.
  • Do an annual check in with your insurance agent to be sure you have the coverage you need. Big life changes, like purchasing a new house, are good times to check in and possibly shop and compare rates to make necessary changes.
  • Some carriers may not provide the specific coverage you’re looking for and you may need to go elsewhere to get the protection you need.


  • When it comes to insurance there are many scenarios and possibilities. Be sure to speak with your insurance agent and ask any and all questions you have. If you don’t understand the terminology or wording of a policy, be sure to ask. Doing your own research is also helpful to ensure you have adequate insurance to cover any possible damages.


  • Insurers with high ratings tend to have the best service in dealing with claims and payouts. Whether they are accessible 24/7 is also an important item to consider. Lower-rated insurers tend to have more disputes with damage estimates and lower satisfaction with claim turnaround times.
  • Do not make the mistake of sacrificing bare-minimum pricing for adequate protection or service. You want an insurer that will be quick to handle your claim and provide fair estimates for damages.


  • A lower rate, discount, or improved coverage is a good reason to make an insurance switch. Receiving bad service may also be an indicator it’s time to make changes. If you’re looking to change carriers, it’s fairly easy to do.
  • To ensure the best price, service, and coverage it is recommended that you shop around, look at reviews, and get all the information you can. Consider getting at least three to four quotes from different insurance companies. Be sure to assess coverages, limits, and deductibles. A simple search online will bring up opportunities for quotes and comparisons of companies. Be sure to check out customer reviews and see what consumers are saying.

When disaster strikes, the burden can feel heavy. Having an insurance provider that provides support and follows through on their promises is everything. Taking steps to check out your policy and insurance company as a whole is crucial. Know when it’s time to make a change, and make it happen so you can keep your property protected.


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Let’s Talk Deductibles.  What Are They?  What Kind of Deductible Do I Have?  Should I Make Changes?

What is a Deductible? How Does it Work?

How Long Do I Have to File a Homeowners Insurance Claim?

What Happens After I File an Insurance Claim?


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