Your insurance can be affected by lots of things that happen in life, both major occurrences and seemingly minor ones, and these are often reasons to contact your insurance agent. You may need to revisit your life insurance, auto insurance or homeowner’s insurance for any of numerous reasons and sometimes calling your agent should be done immediately, depending on the circumstances.
For life insurance, policy changes may be needed after a new member is added to your family or when one is removed through death or divorce. You may want to alter the face amount of your policy, the type of policy you have or change the beneficiary designation.
Auto insurance is one that may have frequent changes besides the obvious need to call your agent if you’re involved in an accident. If you’re in an accident where death, injuries or property damage are experienced, your company or agent should be called as soon as possible, any time day or night. It’s important to get proper advice and the process moving while everything is fresh in your head.. Here are some other reasons you’ll want to contact your agent regarding your auto insurance:
- You need to add or remove a driver from your policy
- You need to add or remove a vehicle from your policy
- You’re changing your address
- You want to change your current coverage or have questions regarding your coverage
- You want to investigate possible discounts such as a bundling discount or one for successfully completing a driver safety program
- One of your children has reached legal driving age
- You’re running into snags with claim you’ve submitted
Your homeowner’s policy covers many things including loss or damage to your home and/or your personal possessions. It also includes liability coverage in case someone is injured while on your property or even if your dog gets loose and harms someone while away from your property. Here are some of the reasons you’ll want to contact your insurance agent regarding your homeowner’s insurance:
- If you’ve suffered any covered loss
- If you move out but still own the home
- If you start a business working from home
- If you obtain new valuables such as jewelry, guns, furs, art, collectibles or antiques
- If you’re undertaking significant remodeling or renovations
- If you buy an additional home
- If you get a new dog (check for breed exclusions)
- If you’ve added household members