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Thompson Insurance Associates - Business and Personal Insurance
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8 Tips When Buying Personal Insurance

7/2/2019

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1. Obtain a quote from an independent insurance agent.  Independent agents represent multiple insurance companies so finding a great fit for you and/or your family, as it grows will be an advantage.
2.  Consider increasing home & auto insurance deductibles to keep rates lower and deters you from reporting small claims.
3.  Ask your agent if the she/he provides a coverage "check list".  Often times, the check list will reveal needed coverage.
4.  Lowest rate isn't always the best option.  You get what you pay for.
5.  If you own a home, inquire about roof coverage.  Some carriers are stingy when it comes to paying roof damage claims.
6.  Double-check  water back-up coverage limits.  It's costly to clean-up/repair a basement due to water damage from sump pump failure.
7.  Auto liability limits of $250,000/$500,000/$100,000 (and matching uninsured motorists coverage limits) is the recommended minimum.  
8.  Did you finance your cars?  If so, inquire about GAP coverage.  Some lenders include GAP in your loan/lease but it's expensive compared to the GAP coverage offered by an insurance company.

About The Author: With over twenty-five years experience, Pat Thompson, CPCU, is a respected veteran of the property and casualty insurance industry.  His commercial lines underwriting experience and independent agency ownership make him qualified to properly mitigate risk of any business.

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