You may consider changing your insurance policy because you've refinanced your home, bought a second home, leased a new car or decided to insure your growing fine art collection. Or, perhaps there's been a change in the status of a relationship.
But you don't have to wait for a big change in your life to make a change to your personal insurance program. In fact, you should make a point of evaluating your program annually to make sure that the coverage and service continue to measure up to your needs.
Here are some questions you might consider in assessing your existing insurance policy:
- Are you confident that your policy recognizes the true value of what you own?
- If you collect art, antiques or other valuables, does your insurance provide adequate coverage?
- Is your auto insurance policy flexible?
- Do you have an insurance agent who listens to you and can answer your questions?
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