Change, Change, Change… Some people love it and some strongly resist, but change is inevitable. Seasons change...

Change, Change, Change…

Some people love it and some strongly resist, but change is inevitable.   Seasons change, weather changes (wouldn’t it be nice to have 70 degrees & sunny all the time?  But then April showers wouldn’t bring May flowers!).  People and life change and insurance changes to keep up.

You may think that all insurance is the same – just find the cheapest price for the limit you chose and it’s all the same.  Not true!  As the world changes, insurance products change to keep up.  After all, the point of insurance is to protect you so an unfortunate event doesn’t ruin your life! 

So what’s new?  Many new products have begun to emerge, such as coverage for Buried Utility Lines (you know the water, sewer, gas & in some areas electric lines that lead to your home).  Coverage for OEM parts (most companies won’t pay for original parts – even on new cars).   Some companies offer options for home sharing such as AirBNB or driving for a service such as Uber or Lyft.  Equipment breakdown (“Smart” appliances are expensive!), but can it be confusing, so you definitely want to discuss it with an independent insurance agent. 

And options to save on premium (loss forgiveness, decreasing deductibles, deductible waiver, water leak detection systems & more.

So what should you do?  Call your agent (or better yet, ME) to review your coverage and make sure it’s changed with the times!