Questions and Tips

The following is a checklist to use when determining which kind of questions to ask regarding Home/Renters and Auto insurance.  Also, some tips to follow when making a claim.

For more detailed advice and help on the answer to these question, please contact me directly.

Home insurance:

• What is the premium?
• What is the deductible?
  What are the limits for the various coverage and are they adequate?
• Can you increase the policy limits if your situation changes? What’s involved?
• Is personal property covered for replacement cost?
• Do you need any special types of coverage either because of where you live or your lifestyle (flood, earthquake, personal injury, liability loss exposures)?
• What do friends say about the company?  Do they drop policy holders if they make claims?  Do they usually deny a claim before they pay it?

Auto insurance:

• Am I getting all the discounts that my auto insurance offers?
• Do I have comprehensive and collision coverage, and is it worth it?
• Does my policy include uninsured- and underinsured-motorist coverage?
• If my car is totaled, how much will my insurance pay to cover the loss?
• If I need new parts for my car, will my insurer pay for original manufacturer parts?

Tips when making a claim:

• Know your policy.
• Stake your claim quickly.
• Avoid using the word "lawyer".
• Keep a copy of the police report.
• Get an estimate or two.
• Make temporary repairs.
• Document, document, document.