Avoiding Costly Insurance Mistakes
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3) Never carry low limits on Uninsured Motorist coverage. If you skimp on this coverage you could find yourself with too little coverage to cover injuries you or your passengers sustain in an accident with someone who is uninsured or underinsured.

4) Never over insure your home. You cannot collect coverage amounts over the replacement cost of your home so it is worthless to carry too much. Your home should always be insured for replacement cost, not the purchase price, which usually includes the value of your land and is based on market value (which can be inflated at times). Failure to do so can result in you paying significantly more for homeowners insurance than you need to. We work with you to calculate the replacement cost of your home.

5) Always carry replacement cost coverage. If you have a claim, your home may not be insured sufficiently to cover the rebuilding of your home if you do not base your insurance coverage on replacement cost.

6) Protect your prized possessions. Jewelry, furs, antiques and other high value property should have additional coverage in case of a loss. Your Homeowners insurance limits coverage for these items from theft, usually are $1,000 to $2,500 maximum. Any high value items you have should be listed separately on your homeowners policy to afford proper coverage.

We can help you decide on the proper coverage for your needs.
Call us at (603) 437-1992.

Without it, no insurance is complete.
Ask Sandra with your AFLAC questions.
(603) 437-1999