Have you reviewed your insurance coverage with your insurance agent lately? If not, your coverage may be out of date, or you may be missing out on some great discounts.
If you have upgraded your kitchen or done other remodeling, you likely increased the value of your home and may need a higher insurance limit. Also, new purchases such as boats and ATVs may not be covered without an additional endorsement or separate policy.
Carriers also offer many types of discounts. Contact your agent if you’ve replaced the roof on your home or added a security or fire suppression system. Also, many carriers offer good-student discounts on auto policies.
Ideally, your agent should be checking with you at least annually to update your policy, but don’t be afraid to call. Here are some questions to ask: