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8 Reasons to get an Insurance Checkup

2017-09-12 07:00:00

Recent insurance surveys say tens of millions of US households have insurance policies that are seriously out-of-date. If the answer to one or more of these questions is yes, contact your agent as soon as possible to update your coverage.


  1. Has it been more than three years since you have sat down with your agent to discuss policy limits? The insurance industry has changed significantly in the last decade and you might be missing coverages that are now automatically suggested.
  2. Has your house undergone renovations or improvements? If so, your home may be underinsured because of the added value. Plus, you may qualify for new discounts!
  3. Has your marital status changed or do you have a live-in partner? If you have recently gotten married, for example, you may now qualify for a multi-car discount on your auto insurance.
  4. Do you have kids starting to drive or who are going away to college with or without a vehicle?
  5. Have you replaced your roof or updated heating/cooling? If so, you may be eligible for discounts or replacement cost coverage for your new roof.
  6. Have you recently purchased new valuables or collectibles? If so, you may need to modify your policies to cover them because some items have restrictions.
  7. Have you added a burglar alarm with central station reporting for your home? If so, you could qualify for a homeowners premium discount.
  8. Have you recently started a home-based business? Homeowner’s policies typically do not provide coverage for even hobby businesses.


Insurance policies should be living documents. Our lives are constantly changing and there isn’t a product that automatically adjusts without us doing a little work to update it. Let us help you along the way.


Call us if you have questions. 701.237.6414




Information provided by:


International Risk Management Institute, Inc.