2023 Insurance Resolutions
New Year, new you, or is it New Year new improvements? Whether you are looking to enhance yourself or your property, we would like to consider a few things to consider. If you’ve made a New Year’s resolution for 2023, we hope you’re doing well. It’s still early in the year but here’s an idea of insurance-related solutions that can save you money while properly insuring your home, its contents, your car, and everything else you insure for 2023 and beyond. Here’s a quick list of new year-related resolutions.
- An auto insurance review:Harris Insurance can help adjust your current policy to reflect the new changes this year. Maybe you’ve started working from home or recently retired, perhaps spending less time on the road. Driving less may qualify you for lower mileage discounts. If you have a college student who may no longer have access to a home vehicle (maybe they are out of state), or a teenager ready to be included in an insurance policy, ready to take to the streets (home by 8pm now, ya’hear?), there may be more to review within your car insurance policy. If you haven’t bundled your car and home insurance yet, now is a good time to do so. With many different products out there, it’s always a good time to shop around.
- Inventory your valuables:Whether you own or rent a home, inventorying (or updating) your collections or major purchases (or at least your most valuable items) is a wise decision. If you bought a new TV, phone, or laptop recently (maybe your Christmas gifts?) or make another major purchase later in the year, it is good to keep everything written down for insurance purposes. If you don’t want to write a detailed list, consider making a video! We all have great cameras in our pockets now! Whip out your smartphone and make a VLOG to yourself. By doing this, you’ll know exactly what you have and can reference back to anything you’re missing. This will give you proof of insurance in the event of theft, fire, or natural disaster.
- Consider renovating your home:Renewing your home insurance policy after each renovation is a MUST. We say this more and more often! Converting an updated bathroom or an unfinished basement into a gym, office, or entertainment area can add value to your home. Similarly, adding a hot tub or pool increases the overall value and liability of your home. We can help you determine if your current coverage needs to be changed. Always remember that any changes need to be documented for the best possible insurance quotes! Some additions may actually lower premiums while others can increase them.Harris Insurance is your go-to agency for all of what’s listed above! Even better, we can recommend and guide you while getting your best quote in 2023. While there is much more to come in 2023, we hope it has started off great while continuing to get even better. We are standing by to assist you in every new insurance related endeavor this year!
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
