为什么我要每年检讨我的房屋pp王者电子官网?
The next time you need to renew your insurance policies, consider taking these steps to make sure you understand what your coverages are.
大多数情况下，人们会购买 房产pp王者电子官网 or 租房者pp王者电子官网 政策，当他们第一次搬出去，进入他们的新家. Many people pay little attention to the policies after that. 随着时间的推移, 因为他们进行了翻新, 购买新物品或更换现有的电器, they don't perform home insurance reviews to ensure they are properly covered. This, unfortunately, can lead to a gap in their coverage.
成功的家庭pp王者电子官网审查提示
The next time you need to renew your insurance policies, consider taking these steps to help you get the most out of them.
- 创建一个家庭清单 - A 家里的库存 is a listing of the property in your home, the date you bought it and what you purchased it for. This list can be used to discuss your needs with 你的代理 as you choose the right coverage.
- 与你的代理商见面 -你的pp王者电子官网需要随时间变化. 进行家庭pp王者电子官网审查 你的代理 at least once each year can help you determine if your policies still make sense for your current situation. 会议期间:
- 〇询问折扣 Before you renew your policy, speak with 你的代理 about discounts that may be available. 你可能有资格享受折扣 报警系统, 多行 或者更高的免赔额.
- 要求审查你的汽车政策 -如果你 combine your home or 租房者pp王者电子官网 with auto insurance to get a discount, consider reviewing your auto coverage as well. Ask them about any safe driving discounts you might be eligible for.
- 检查家庭装修 -如果你 have added on to your home or updated any rooms in the house, be sure to talk about them with 你的代理 to make sure your coverage reflects the changes.
- 谈谈环境的变化 -任何新的洒水系统, 棚屋, pool or even a new riding mower may require changes in your policy.
- 共享设备中的任何更改 -比如家庭装修, updating your furnace or air conditioner can increase the value of your home.
- Confirm your home is insured for the estimated cost to rebuild - 状态 Farm® suggests you select a policy amount equal to at least 100% of the estimated 房屋的重置成本，但选择权在你. You should also make sure any replacement cost estimate reflects the actual characteristics of your home. Insuring your home for at least 100% of its estimated replacement cost — not the current market value — could give you the means to replace your home entirely in the event of a loss.
pp王者电子官网审查提醒
确保你记得:
- 分享任何 重大的生活变化. 结婚, 生孩子, starting a new home business or even getting divorced may trigger changes to your property that are worth a conversation to address the correct coverage with new needs. Your agent can make you aware of extra coverage available for 珠宝和火器 或者额外的pp王者电子官网 商业地产.
- Ask questions about current coverages, limitations and exclusions. You can get the best out of meeting with 你的代理 by asking about your current coverages and understanding any limitations and exclusions to the 房主政策. You can be better prepared for a loss when you are aware of what is covered and what is not.
For more information about a home insurance review and your policies, contact a 州立农场代理.
