If you can answer yes to any of the questions below it may be time to give your insurance agent a call.
Have you recently tied the knot?
When you get married there is a chance your insurance premium will lower due to the marital status. You are able to bundle your insurance receiving additional discounts for multi-car or multi-policy. Another thing to consider after getting married is life coverage for you and your spouse. It becomes important to make sure your spouse is cared for in the event that you are unable to.
Did you have a baby?
Congratulations! Now is a time to consider increasing your life insurance protection. By adding to your family you have created more survivors’ expenses. When planning for your child’s future life insurance may potentially be a source of money to help pay for college or other expenses. Also, you need to update your beneficiary list to include children.
Do you have a teen that has started driving or left home for college?
There are several factors to consider when these life changes occur. If you have a new teen driver it’s important to call your agent to figure out the best rate you can get for your new driver whether that be as an add-on of your policy or getting them a separate policy. It may also be time to consider umbrella coverage so you don’t find yourself underinsured. In terms of discounts, your child can earn a Good Student Discount by maintaining a 3.0 GPA or “B” average in high school and college.
Did you get a new job or have a salary change?
Take some time to consider your life insurance and health insurance policies when you get a new job. You have to look into whether or not your new employer offers life insurance if you had it through your previous employer. You may also want to increase your coverage if you received a raise. Make sure you know when your health insurance coverage begins and if it is not immediate consider an interim policy.
Did you recently acquire any new, valuable personal property?
Insuring certain valuable items separately can provide you with enough coverage. Items you might want to consider insuring include artwork, jewelry (engagement and wedding rings), one-of-a-kind items, and collectibles.
Give us a call today at 352-371-7977 to discuss any changes in your life and what you might need to do to make sure you’re covered.