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Annual review

Your personal insurance needs change and there is no way to know if you are benefiting from all available discounts or if your insurance coverage fits your current needs without a review. That's why we do them for our clients.

And we have made it easy. A few basic questions may be all we need to cover, and most people can get through those in just two or three minutes. Of course, we would love to have you stop in or talk to us by phone, but if you are pressed for time, you can get started right from your smartphone or tablet.

Help me review my insurance needs.

We have also organized some information from our library of blog posts that illustrate why a review may be important for you.

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Insurance policies are made to be customized for a reason.The business executive has more income and assets to protect from liability claims than the recent college graduate.Families have more people to think about than young single people or an empty nester.And it is worth noting that the single person, the recent college graduate, the business executive and the empty nester can all be the same person...at different times.We all have different pursuits, different incomes, different bank balances at different points in time.The insurance policies that make up your insurance program - your blanket of protection - need to be tweaked from time-to-time so that you are getting the right protection and benefiting from all available discounts.
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Have you heard of supermodels insuring their legs or singers taking out a policy on their priceless vocal chords? That's probably not necessary for most people, but many of us probably do have a few valuables that can and should be insured separately.
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Hosting a holiday party in {STATE}The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.
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In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.
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If you have a domestic employee, such as a gardener, housekeeper, or nanny, who drives his or her own auto while working for you, there is a potential for you to incur liability arising from their driving that would not be adequately insured. If your employee negligently causes an accident, you as the employer can be drawn into the lawsuit and held liable. Your employee’s own insurance, if any, will protect you up to its policy limits, but you are on your own after that. And your personal auto policy may not respond to cover the difference. The courts have ruled in different ways on these types of loss situations.
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Long Term Care Insurance (LTC) is designed to reimburse you for expenses for everyday living assistance, should something happen to you. Traditional medical insurance and Medicare will not cover extra costs should you need help with activities we take for granted like bathing, eating or simply getting out of bed. LTC insurance options can provide for nursing home costs as well as home health care and assisted living.
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Technology and social trends have driven a wave of telecommuting. Many of us work at home at least on some days while some may work from home all the time. For that reason, more and more homes contain a designated office area; with increasing frequency that area is a room.
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Your son or daughter probably needs some new, expensive computer equipment. When they were in high school they probably used a desk top computer but they now have a lap top. Lap tops, by the very nature of their portability, are much more susceptible to theft.
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Many parents rightly experience a strong anxiety when turning over the car keys to their new teen driver. There are a several things a parent can do to make sure that the teenage driving experience is a safe one. First, teenagers need to understand that driving is a privilege, not a right. With privileges come certain responsibilities. It is best to make those responsibilities and the consequences for not meeting them as clear as possible. One way to do that is with an actual contract between parents and teenagers built around the concept of graduated licensing and restrictions for high risk situations.
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Maintenance for your vacation or second home is pretty much the same as for your primary residence. There are a few reasons why you may need to take a few extra measures with your second home. You are most likely away from your vacation home for periods of time and, if you have nearby neighbors, they may be away from their homes during the same intervals. Many vacation homes are situated 'away from it all' so, if something were to happen to your home, it's possible no one would notice until too late.
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