Work hard, play hard – but not too hard. Unfortunately, your home or auto insurance policy does not automatically cover these items. They sometimes need their own policies to ensure you’re covered for all of life’s fun. Call our team to see if you could benefit from this type of coverage.

The last step in purchasing a new vehicle is ensuring you have the right coverage. When you get a new vehicle, your coverage for your old vehicle may not necessarily apply to your new one. There are several types of coverage, including comprehensive, collision, and liability. It’s essential to have the correct amount of coverage to be sure you’re covered in case of an accident. If you’re unsure what type and/or amount of coverage you need or would like a second opinion, get the advice of an expert and call our team to discuss it.

When obtaining homeowners insurance, it’s important to view your home objectively. Make sure you keep the following few items in mind:

• The cost it would be to rebuild your home if you had to rebuild it today.

  Building costs are always changing; be sure your insurance policy changes with them.



• Structural damage

  Storms, wind, and broad temperature fluctuations are common in our area. Also consider the cost of replacing pipes, windows, or your roof.



• The value of the contents of your home

  Don’t forget what’s important to you that’s inside the home. Jewelry, furniture, paintings, and appliances to name a few.

What kind of coverage should you have? How much coverage is needed? Your auto, home, and recreational insurance make up a collection of different policies covering you in different ways. Choosing the minimum coverage with these policies isn’t always the best choice. You’re on the hook for when costs exceed your coverage. We generally tell our clients that a good starting point is to ensure you’re covered 100-200% of the total value of your assets. Call our team to see what coverage is appropriate for your lifestyle