When your life changes, your insurance often has to change too. However, it’s not always clear what protection you, your family or your company need. Contact your Erie insurance agent. They are there to help you fix everything. Not sure how to get started? Here are some questions to ask an insurance agent.
Do I need additional insurance if I renovate or add to my home?
In some cases, renovation projects can add value to your home. If this is the case, you will need to fully adjust your Erie insurance coverage to cover your home renovation costs. Your home insurance agent can advise you in this situation, and they can also tell you more about what type of insurance the contractor should have before starting work.
What insurance coverage do I need for my home business?
A home business needs to be protected from inventory issues, defamation issues, and customers visiting your home. Depending on the nature of your home business, you may need a simple homeowners insurance approval or a new policy.
My family is growing and changing. What coverage should I consider?
Life insurance is something that most families need. Most people buy life insurance to cover the financial consequences of an unexpected or premature death. Check out this life insurance calculator to determine how much you’ll need.* If a teenager learns to drive in your home, you’ll want additional auto insurance. A typical homeowner’s policy covers personal items and furniture to a certain extent. For higher value items, eg. For example, if you have a diamond ring, rare artwork, or expensive electronics, you may want to extend your coverage to a higher policy limit or additional coverage.
I had just finished school and had just entered the workforce. What insurance do I need?
If you have left your home and rented an apartment, you are no longer covered by your parent’s landlord policy. Instead, you need renters’ Erie insurance to protect your belongings and more. You may be tempted to buy a bare-bones approach to save money regarding auto insurance. This is a risky move as it may not provide sufficient protection. If your insurance policy doesn’t cover all damages, your future savings and salary could be at risk. If you have student loans or debt, check with an Erie Insurance Agent Near Me about life insurance. You may not want to think about it, but you want enough life insurance coverage to cover the last few expenses, e.g. A funeral if anything happens to you. If someone signs your loan as a parent, life insurance can help them avoid getting stuck with bills. Good news? Life insurance is a lot cheaper than most people think – and that’s especially true when you’re young and healthy.
A Friend Was Sued After a Car Accident. What can I do to ensure my safety against something like this?
Your insurance policy includes liability coverage, but the state minimum is rarely enough for most drivers. Too little debt coverage puts you and your assets at risk. Umbrella coverage provides additional liability protection for your auto and homeowners policies if you (or a family member) are sued. The extra $1 million in coverage costs less than $20 per month for most people. Your insurance agent can check your auto insurance limit and tell you more about this coverage.
How can I save money on my insurance?
Almost all insurance companies offer discounts based on file availability for safe driving and consolidating coverage for your car and homeowners. Additional discounts may also be available. However, it is essential to be careful when choosing an Erie Insurance Agent Near Me based solely on price. Instead, look for a company with a strong reputation for excellent customer service, a strong financial position, and a reputation for handling claims quickly and fairly.
As an Erie Insurance Agent Near Me, you can get advice from an insurance professional no matter your life. Insurance agents know how to help you find the right coverage at the right price.