Personal Insurance

Home Insurance

HOW MUCH INSURANCE IS ENOUGH
TO COVER MY “STUFF”?

Determining the right insurance amount to cover all your personal property, or “stuff” can be a daunting task.  But, we have a couple of tools that will make it somewhat easier for you.

 

First, is a handy “PERSONAL INVENTORY’ brochure that will help you list all your belongings and estimate their current value.  Simply call or stop by the office.  We’ll be happy to provide you with one of the brochures to get you started.

 

Second, there is an online tool found at knowyourstuff.org  This is a free software tool that enables you to create an inventory of your household goods.  They do offer you the option of storing your inventory online for a nominal fee, but if you choose to keep your records on disk, CD or other computer storage device, there is no charge for using the software.

 

Knowing what you have not only helps you to determine if you’ve got the right insurance value, but it will also help you at the time of claim to prove what you had.  Remember:  the burden of proof for a personal property claim is on you, the insured.  The more documentation you have (photos, video, receipts) the better off you will be.  In addition, remember to keep your records off-site.

Trusted Choice® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.

As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall:

• Work with you to identify the insurance and financial services that are right for you, your family or your business and use our access to multiple companies to deliver those products.
• Guide you through the claims process for a prompt and fair resolution of your claim.
• Help you solve problems related to your coverage or account.
• Explain the coverages and options available to you through our agency, at your request.
• Return your phone calls and e-mails promptly and respond to your requests in a timely manner.
• Provide 24/7 services for our customers, offering any or all of the following: emergency phone numbers, Internet account access, e-mail and call center services.
• Use our experience and multiple company relationships to customize your coverage as needed.
• Commit our staff to continuing education so they may be more knowledgeable in serving you.
• Treat you with respect and courtesy.
• Conduct our business in an ethical manner.

We pledge this to you, our clients and ask that you let us know if we fail to meet our commitment, so we may take corrective action.

 

 

Need more information?  Have questions?  Call us!  We can help!