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By Brett Porter<br />
In the last few years, the trend I see over and over again is individuals and businesses buying the cheapest insurance<br />
policy possible. Most often, these policies do not give you the coverage that you need. As a result of this,<br />
problems arise at claim time because you're not properly covered or insured.<br />
Now is a good time to take a look at your current Homeowner's and Auto policies.<br />
Make sure that you understand the coverages you have purchased. The<br />
most common omissions on Homeowner's policies are replacement<br />
cost on contents, screen enclosure coverage and law and ordinance<br />
coverage. On Auto policies, make sure that you have proper liability<br />
limits to protect your assets. Also, check to see that you have<br />
a liability umbrella if you have a high net worth and confirm<br />
your uninsured motorist limits, especially if you do not have<br />
disability and/or medical insurance.<br />
Considering the volatility of the insurance market, now<br />
is a great time to shop the premiums. The auto and<br />
umbrella availabilities are plentiful and there are many<br />
carriers to choose from. You will often find huge differences<br />
in rates. The question to ask yourself is, do you<br />
have the proper coverage and are you with the right company?<br />
To be certain, please call me for a no obligation review of<br />
your insurance policies. See ad below<br />
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