Your property and casualty insurance needs are subject to constant change as you and your family make your way through life’s transitions.
By transitions, we mean social events, hobbies, and activities – or adding a teen-age driver to your household – that might change your liability exposure. In addition to considering these changes, we recommend that you take a look at how you currently manage and protect your prized collections (antiques, artwork, fine china). Economic shifts in the worlds of precious metals and art can drastically change the value of your jewelry, antique furniture, and art collections in a matter of months – potentially leaving you underinsured against loss or damage.
At Fireman’s Fund, we recommend sitting down with your independent insurance agent annually to review your insurance needs. There’s no better time than the beginning of a new year to get in shape for a more secure future.
Get a Feel for Insurance Gaps
You can get a good idea of the issues that typically influence your insurance needs by asking yourself the questions below. The questions deal with a range of issues, from the way you and your family currently use your home, to your driving habits, to large purchases that you may have made in recent months. Once you have completed the self-assessment, talk with your independent insurance agent about updating your existing policies or adding endorsements. Also ask your agent about options for further customizing your policies. Be sure to review your deductibles and inquire about our automated billing options. If you’re concerned about personal liabilities, you may want information about our Prestige Excess® policy that protects you against legal costs of a lawsuit. Of special note is our offer of substantial rate credits for customers who purchase multiple Fireman’s Fund coverages from our Prestige® Portfolio of personal insurance products and endorsements.