By Brett Porter
In the last few years, the trend I see over and over again is individuals and businesses buying the cheapest insurance policy possible. Most often, these policies do not give you the coverage that you need. As a result of this, problems arise at claim time because you’re not properly covered or insured.
Now is a good time to take a look at your current Homeowner’s and Auto policies. Make sure that you understand the coverages you have purchased. The most common omissions on Homeowner’s policies are replacement cost on contents, screen enclosure coverage and law and ordinance coverage. On Auto policies, make sure that you have proper liability limits to protect your assets. Also, check to see that you have a liability umbrella if you have a high net worth and confirm your uninsured motorist limits, especially if you do not have disability and/or medical insurance.
Considering the volatility of the insurance market, now is a great time to?shop the premiums. The auto and umbrella availabilities are plentiful and there are many carriers to choose from. You will often find huge differences in rates. The question to ask yourself is, do you have the proper coverage and are you with the right company? To be certain, please call me for a no obligation review of your insurance policies.
Barkley Insurance Agency, Inc.
(954) 975-8991
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