Last year brought enough unwelcomed surprises, don’t let home and auto changes negatively affect your insurance coverage. Review the following questions to make sure your policy covers what you need for 2021 and let’s all have a happy, healthy new year!
Have you completed any renovations or additions to your home/property? (Pool, dock, gazebo, deck, fencing, roof or window replacement, other improvements)
Do you own any other properties? (Secondary residence, rental property, vacant land, etc.)
Do you have any residence employees? (Nanny, housekeeper)
Do you have any income producing hobbies or operate a business out of your home? What type ?
Are you providing any other business services in your home on a regular basis?
Are you renting out any part of your home?
Do you have personal property that should be scheduled? (Jewelry, coins, stamps, artwork, collectibles, etc. are limited in coverage on the standard policy – appraisal required.)
Is there a trampoline, diving board or unfenced pool on the premises?
Are there any dogs, horses, exotic pets or farm animals on premises?
If yes, what breed(s)?
How many?
Do you own or operate any drones or other unmanned aircraft?
Do you participate in AIRBNB or similar home sharing services?
AUTOMOBILE SECTION
Is every person in your household who holds a driver’s license listed as a driver on your policy?
Is anyone who regularly drives one of your vehicles listed as a driver on the policy?
(A housekeeper or nanny who regularly drives your vehicle)
Are all vehicles you own listed on your policy?
Do you drive any vehicles furnished for your regular use that you do not own?
(Company car)
Are all the vehicles listed on your policy titled to you and/or your spouse?
Are any of the vehicles on your policy customized or altered?
Are any of the vehicles garaged at a different address?
(i.e. a child at school with a vehicle)
Are any vehicles used in business, for sales or deliveries?
Do you own any recreational vehicles or watercraft?
Do you own any motorcycles, mopeds, minibikes or scooters?
Do you use your ride sharing programs?
GENERAL INFORMATION
Are you interested in learning more about the following protection?
Umbrella Liability
(An additional layer of liability over your home & auto policies)
Flood Insurance
Business Insurance
Life, Health, or Disability Insurance
This list is just the beginning. Review your policy with your agent each year for a thorough check. We’re happy to answer any questions you might have and provide a complimentary review of your home, auto, life, health or commercial insurance policies at Herron-Connell. Give us a call at 865-483-8483.
Crossing T's and Dotting i's 