How to Avoid Costly Insurance Mistakes with a Free Policy Review

We've heard some horror stories lately, and not all of them have to do with things that go bump in the night. Consider this one:

On their 10th anniversary, Ashley's husband of York, PA surprised her with a $20,000 diamond ring. Always careful with the dazzler, she kept it in a ring dish next to the kitchen sink while she cleaned up. One day after finishing the dishes, Ashley reached for her ring. It wasn't there. She began a frantic search all around the kitchen and then the house, but she couldn't find it. She even tried reaching into the garbage disposal to see if it was there. No luck. Heartbroken, Ashley filed a claim with her homeowner's insurance. That's when she discovered the ring was not covered under her existing policy. Ashley had no way of replacing the diamond ring without spending another $20,000.

Not adding expensive items like jewelry, watches, or guns to your home insurance policy as soon as you purchase or receive them is a common mistake we see. In Ashley's case, for just a few dollars more on her insurance coverage every month, she could have had her ring replaced with an exact duplicate. The insurance protects from loss, theft, damage, and disappearance.

Don't be Ashley! Contact an insurance agent at Keller-Brown Insurance Services today to ensure that your big-ticket purchases or gifts are covered by your policy. The insurance review is absolutely free!

Here's another one: The Thomas family of Towson, Maryland was devastated when a portion of their roof collapsed after a winter storm, causing substantial damage inside the home. They immediately filed a claim with their homeowner's policy but were in for another shock: the price of construction has skyrocketed in the past few years, but they had never updated their homeowners' policy. The dollar amount of coverage they chose a decade ago when they bought their home would only cover a portion of the actual reconstruction costs today.

Don't wait until disaster strikes to discover that your insurance policy doesn't provide the coverage you need. Construction prices continue to soar in Pennsylvania and Maryland, so it is a good idea to talk to an insurance agent at Keller-Brown Insurance Services annually to make sure you have enough coverage to rebuild your home if the unexpected happens. We are always happy to provide this service absolutely free of charge.

Another good reason for a free policy review with Keller-Brown Insurance Services is it could save you money! When Dana and Charles of Parkton, Maryland got married, they each kept their own separate car insurance, not knowing that bundling their auto insurance with their homeowners could save them money. We will review all of your insurance policies and let you know what money-saving options may be available to you. 

When do you need a policy review?

As your life changes, so do your insurance needs. That's why it is important to keep Keller-Brown Insurance Services top of mind. Here is a list of some of the changes that can trigger the need for an insurance review: 

1. Lifestyle changes - such as getting married, moving, having kids, in-laws moving in, or divorce.

2. Home changes - including improvements, additions, a new structure, or even a new alarm system (depending on the type, a new alarm system can lower your homeowner insurance!).

3. Auto changes - kids driving, upgrading or customizing a car, driver's age, and new anti-theft features are good reasons to have a free auto insurance policy review.

4. Retirement - this can have a big impact on your driving habits and lifestyle, especially if you don't commute to work anymore. 

5. Increased assets - as your assets grow, so should your insurance protection. It might be time to consider an umbrella insurance policy or life insurance.

6. Change in household members/employment - Have you had a baby? A change of employment? Started earning income through a part-time gig or by renting out a portion of your home? All of these can impact the type and the amount of insurance coverage you need.

A free call with a Keller-Brown insurance agent can answer any questions you may have and give you the peace of mind of knowing you are fully protected. 

The Keller-Brown Policy Review Process

• We start by reviewing your current policies and comparing them to your current life. 

• From there, we identify any insurance coverage gaps you may have, eliminate any coverage you no longer need and advise if there are any areas requiring bridge insurance. 

• Then you can rest easy, knowing you have avoided hefty unanticipated expenses by making sure you have the right insurance for the life you live today.

Contact an insurance agent at Keller-Brown Insurance Services today to answer any questions about homeowner insurance or for a free review and insurance quote. As an independent insurance agency serving Pennsylvania and Maryland, we represent several top-rated insurance companies. We have the flexibility to find you the right coverage at competitive premiums for home, business, auto, and more.