moneytalk
Insurance Policies a Check Up?
By Steve Papola
Is It Time to Give Your
The insurance industry often urges customers to check their policies
every once in a while to make sure everything is up to date. While
that sounds like self-serving advice, that doesn't mean it’s a bad idea.
You need to be reviewing all insurance policies because, quite frankly,
circumstances change, and you do not want to be left underinsured or
paying for insurance you no longer need.
You may catch mistakes. You probably have a lot of insurance
policies – health insurance, life insurance, auto insurance, homeowners
insurance. There may be an error or two or three in one or more of
those policies.
You might find a better rate. You may lower your premium if you
regularly compare insurance quotes. Insurance premiums can frequently
change for several reasons. As an example, homeowners insurance
is a type you'd want to look at fairly often. The crime rate, for example,
could go up or down, changing your rates. You may have purchased
your homeowners insurance policy after recent storms inflated rates,
and perhaps yours haven't come down but competitors' rates have.
You have more assets. Your life doesn't just change. What you cover
does. As an example, maybe you locked in your home insurance
rates when your new home was filled with secondhand furniture. If all
of that has been replaced with new, it may be time to discuss these
upgrades with your homeowner’s insurance agent. One-third of Americans
don't know the value of their household possessions, and almost
10 percent are unaware that they should check to make sure they have
enough coverage to protect their belongings from theft or damage. If
you bought life insurance when you were married or after your first
child was born, and you’re now on baby No. 2, 3 or 4, you’re probably
long overdue for an upgrade.
You may decide it's time to bundle. If you have four different policies
with four different carriers, you might want to bundle a few. That
is, have your homeowners and car insurance with one company, for
example.
For the New Year, take the time to review your coverages. Speak
to your agent. You’ll sleep better for it and begin the New Year with
confidence and maybe save some money, too!
Centurion Insurance
AND Financial Services
CENTINSURURION
ANCE
FINANCIAL
SERVICES
At Centurion We
Know Protection
As A Licensed Independent Insurance Agent, with 30 Years
in Law Enforcement & 15 years Insurance Experience,
We Offer CHOICE!
We Guard Your Personal & Business
Assets & Provide Financial Security!
Absolute LOWEST RATES &
COMPREHENSIVE PROTECTION in the Industry!
Dedicated to All First Responder’s Insurance Needs!
best coverage at the
most affordable Rate!
Protection for Your Most Prized Assets!
Auto, Home, FLOOD!
Business & Contractor(s) and More!
Steven Papola - Agent
Call Today for a FREE QUOTE
813.995.6013
Fax 813.995.6087
Email: DirectInsur@gmail.com
Website: www.CenturionInsuranceAFS.com
Cut
the
Cable
TV ANTENNAS
NO Cable • NO Dish • NO Bills
Check your ZIP code @ www.dtvreceptionmaps
1.813.428.3959
Antennasbyme@gmail.com
FLORIDA WOMEN MAGAZINE 813.682.9364 JANUARY 2020 • 39
/www.CenturionInsuranceAFS.com
/www.dtvreceptionmaps
link
link