As our lives change, so do our insurance needs. Letting us know of these changes can ensure that you have adequate insurance coverage through Erie Insurance. Here are some examples of when to check your coverage:

1. You’re remodeling or building an addition to your property. When you hire the contractor, request a certificate of insurance to confirm their liability and workers’ compensation coverages. Review the certificate and your homeowners policy with your agent. In some cases, remodeling projects can increase your home’s reconstruction value.
2. Your teen starts driving. If a teenager in your home is learning how to drive, that means you’ll soon need to help them purchase insurance. Your agent can help guide you through the process, find the best way to add them to your policy and provide materials about safe driving behavior.
3. You’re adding a new swimming pool. We can recommend steps that you can take to help keep your backyard safe and determine whether additional liability coverage should be considered.
4. You got a new job! If you have accepted a position where you will have a shorter or longer commute to work, call us. A significant change in annual mileage could warrant a change in your auto policy. (And, that could save you money.)
5. It’s time to retire. Ready to kick back and relax? We can help you maximize the benefits of your retirement plan with a life insurance program.
6. You bought a new ride. If you’ve purchased or leased a new or used vehicle, your insurance policy needs to be updated. Car dealers are required by law to confirm insurance coverage, but only you can make the necessary changes to your policy to make sure you’re fully protected.
7. You’re saving a buck with refinancing. When you’re taking advantage of lower interest rates by refinancing your home or vehicle, your policy will need to be updated to reflect any new lien holder.
8. Your family’s growing and changing. When you get married or welcome a new baby to the family, the new responsibilities may warrant a change in your home, auto and life insurance coverage.
9. You’ve bought a little luxury. When you purchase valuables such as a diamond ring or a rare piece of art, you should contact your agent. Your homeowners policy covers personal belongings and furnishings, but higher-valued items may have coverage limitations. An endorsement may be advisable for more costly or unusual items.
10. You’ve decided to work from home. If you are starting a business out of your house, let us know.  Depending on the equipment and the nature of your work, an endorsement or separate policy may be necessary to protect your investment and liability exposures.

ERIE^® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company  (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office:  Rochester, New York). Not all companies are licensed or operate in all states. Not all  products are offered in all states. Go to erieinsurance.com for company licensure and  territory information.

For more information, drop by our website at www.albionagencies.com, or give us a call at 589-4477.

The information in this post is general in nature, and geared toward insurance conditions in Western New York.  As always, you should speak with an insurance adviser to determine your specific insurance needs.