Why Review Your Insurance?


Our agency is founded and run on the philosophy that client’s needs come first and foremost. We know you hear that a lot, so we wanted to tell you how we carry out our philosophy day to day. This article is the continuation of our series on how to think differently about insurance. Every client deserves an annual insurance review. The review may take different forms depending on the individual circumstances.

Benefits To An Insurance Review

Keeps your program up to date

Provides opportunity for feedback on services

Allows for the partnership to review goals

We take time to review key exclusions and other coverage items

You may need to modify, reduce or add coverage depending on your current situation

The review does not need to take a long time 

Business Insurance Review

A business review is important because risk is constantly changing. Maybe your operations have not changed, but laws and other statutes can impact your risk and need to be addressed. Here are a few examples:

Prices change and a review can determine if you are getting competitive rates on your insurance.

Your coverage needs may have changed and your policy should reflect these changes.

There may be new insurance companies to which we have access.

Laws and regulations are changing and may require a different kind of insurance. 

Personal Insurance Review

A review of your personal insurance can be completed in person, over the phone or even via email. But the important thing is that the client and agent communicate about your personal risk and what has changed. Changes in your personal situation can have an impact on your insurance needs. Examples might include:

Change in marital status

Kids headed off to college

Remodeling of your home

Purchase of expensive jewelry

Texas Home Insurance

How To Save On Your Georgetown, TX  Homeowner’s Insurance

Homeowner’s insurance typically covers you against fire, theft and other damage to your home and personal property. Georgetown, TX Homeowner’s insurance also covers your liability in case someone gets inured on your property. Everyone likes to save money on their homeowner’s insurance. But many people assume that saving money equals less coverage.  That is not so.  Here are some simple things that you can do to save money on your homeowner’s insurance without compromising coverage.

Homeowners insurance Savings

Stop smoking. There are over 8,000 smoking related fires every year in the U.S.

Fix the plumbing, roof, or wiring. If you live in an older home, updating these items can reduce your premiums and improve the value of your home.

Do not put in that pool. Having a pool can be fun, but it increases your personal liability and homeowner’s premiums.

Install a home security system. Home security systems can reduce your premiums and add value to your home.

Increase your deductible. Did you know most people never have a homeowner’s insurance claim?  Why not increase your deductible and save money!

Let us shop the market for you. We have access to many markets that can offer competitive homeowner’s insurance premiums.

Many insurers give locality discounts.