March/April 2016

Are You Covered?

Questions to ask your agent before you renew your insurance policy

Shopping for an insurance policy? Time to renew your policy? Taking the time to review your options can save you money, ensure you have the right coverage, and prevent surprises down the road. Here are a few questions to ask your agent. 
When Purchasing Home Insurance
Q: If my home is destroyed in a disaster, what will my insurance policy cover? Standard home insurance policies usually pay replacement value to help policyholders rebuild their homes, but talk to an agent to make sure your specific needs are covered. In some areas, policyholders can purchase additional insurance for increased coverage.

Q: Will my home insurance cover all disasters that could happen in my area? Standard home insurance usually covers disasters such as fire, lightning, theft, vandalism, or damage from smoke, water, or wind. It generally does not cover damage caused by floods or earthquakes, and insurance to cover these events can be purchased separately.

Q: What are the coverage limits on valuables like jewelry, art, or other expensive items if they’re stolen or lost? Ask your agent to walk you through the special limits of liability for personal property for the policy. Consider purchasing more coverage for high-value items.
Q: What is the maximum amount of liability my home policy will cover? There is a range of liability limits to suit most needs. Factors you might want to consider are your net worth, the activities you and your family engage in, and the amount of protection you want, should you be pursued in a lawsuit.
Q: Will my possessions be covered if they’re lost or stolen outside of my home? Most policies will cover things like jewelry or other expensive items that are stolen from your car or stolen or lost while traveling, up to a certain limit. Your policy also might cover your children’s belongings if they live in a dormitory during their college years.

When Purchasing Auto Insurance
Q: What discounts do you offer? Among the discounts most insurance companies offer are those for safe drivers and students with good grades. You’ll generally save money by buying more than one policy from the same company, such as a car and a home policy.
Q: If I have an accident, can my rates go up, even if it’s not my fault? Because policies vary, ask what circumstances could raise your premium.
Q: What will I get paid if my car is totaled? Since replacement coverage varies greatly among auto insurers, it’s a good idea to talk to your agent to discuss options based on the year, make, and model of your car.
Find Out More
For information on AAA auto, home, and other personal lines of insurance, contact your local agent at 1-800-782-3941.  
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