Life changes…has your insurance kept pace?

Have you had any major life changes recently? If you answer “yes” to any of the following questions, it’s a good time to get together with your insurance agent to review your coverages and needs.

Have you recently married or divorced? If you’re merging or separating households, you’ll need to update your auto, homeowners and life insurance. Multiple cars in a household can mean added discounts.

Have you had a baby? This is an important time to review your life insurance coverages to plan for your dependents.

Have you switched jobs or experienced a significant salary change? This is a good time to review your life insurance needs. If you had life insurance through your previous employer, you may need to replace lost coverage.

Have you done extensive renovations on your home? If you’ve added or renovated a room, you risk being underinsured if you’ve not discussed those changes with your insurance agent.

Have you decided to buy a retirement or vacation home? Research the availability and cost of insurance before you commit. Waterfront property or a mountain retreat have risks associated that can make insurance costly and difficult to obtain.

Have you acquired any new valuables—jewelry, electronic equipment, fine art, antiques? A standard homeowners policy may limit coverage for these items. Consider supplementing your policy with a floater or endorsement.

Are you approaching retirement? You may get a lower rate on your auto insurance. It’s also time to see if your life insurance needs have decreased. If you haven’t considered long-term care insurance, you should see if it’s right for you.

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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.

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