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Ask These Questions During Your Yearly Insurance Review

Nov 12, 2019

Uncategorized

Ask These Questions During Your Yearly Insurance Review

What to ask when reviewing your home insurance.

At least once a year, you should look through your various insurance policies to ensure that they re offering you enough coverage to meet your needs.  However, many policyholders are not sure what they are looking for when it comes time to review their homeowners insurance in Los Angeles, California.  To help you evaluate your policy, here are some of the questions that you should ask.
  • Has my policy changed?
When reviewing your home insurance, you need to know if your policy has changed without you noticing.  For instance, your policy may now be showing premium increases.  While many increases are legitimate and can be explained by your agent, some increases can also be mistakes.  Make sure you understand every change in your policy before renewing to ensure that you are not overpaying for your insurance.
  • Are there new discounts available?
As no one wants to pay more for their home insurance than they have to, you also need to ask about your eligibility for policy discounts.   Changes in your circumstances often mean that you now qualify for discounts that you did not qualify for previously.  Make sure that all your discounts are applied to your policy to save a significant amount of money during the coming year.
  • Do I have coverage gaps?
Finally, you also need to look at your policy and determine if it is capable of offering you the comprehensive coverage that you need.  In some cases, simply raising your coverage limits will not offer you an adequate amount of protection.  If this is the case for you, then you need to consider securing brand-new policies or securing insurance endorsements to address your coverage gaps. These are some of the questions that you should ask when reviewing your homeowners insurance in Los Angeles, California.  Do you need help with your coverage?  If so, then contact the experts at Fuller Insurance Agency in Southern California.  We are ready to assist you with all your insurance needs today.
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