"THE DOCTOR WILL SEE YOU NOW."

When was the last time you visited your primary care physician?  If you are like me it is usually twice a year he and I get together.  

Let me ask you this, "When was the last time you met with the insurance agent who wrote your homeowners insurance policy?"  It has probably been some time.  Better yet, when was the last time your read through you homeowners insurance policy.  

Do you know what level of protection you have or if you have adequate coverage for the improvements you have made to your home?  Do I have the protection I need before I have a reason to use it?

Here are a few quick questions you need to ask your insurance agent.

1. If my home is damaged, does my policy cover the actual cash value or just replacement cost?

2. Does my homeowners policy cover my personal jewelry, objects of art, wine collection or rare book collection?

3. Am I covered regardless of the reason my home is damaged?

4. Are there specific endorsements on my current policy?

5. Am I covered should someone be injured in my home?

6. How can I reduce my monthly premium?

7. Which costs less to insure - a new house or an old house - should I decide to move?

8. Is is true that all home policies are basically the same?

9. What is the procedure for filing a claim and how long should I anticipate until I receive my claim payment?

10. What can I do to assist in the claim process and make it easier to collect on a claim?

Contact your insurance agent at least two months prior to the policy renewal date to discuss your current level of coverage, any inclusion you need to make to your property inventory, or any endorsements you need to add or delete.