The Top 5 Reasons to Confirm Your Insurance Coverage

Are You Covered?

If any of the following statements apply to you, it is time to call your insurance agent!
1. Did you recently complete a major home improvement project?
If the parking lots at nearby home improvement stores are any indication, people have been utilizing extra time at home to complete home renovation projects. If you have repurposed an unfinished room into your home office, renovated your kitchen, or finished the basement bathroom, make sure your insurance coverage reflects these upgrades that add value to your home.
2. Did you wonder what your hail coverage is after the last storm?
If you are not clear about your insurance coverage or deductible in the event of hail, now is the time to become informed. Insurance companies have been known to change their hail coverage deductibles, especially in areas hard hit with past storms. It is one thing to be covered, but another thing to be covered correctly.
3. Did you start a new business out of your home?
Many people are looking for ways to bring in extra cash this summer. Have you started a new Mary Kay or Doterra business, or has someone in your family started a lawn business? Make sure you are covered should an accident occur when customers are picking up their orders or if a homeowner’s car or home is damaged while your child is mowing their lawn.
4. Is a young adult in your household attending college soon?
In a few short months, college will be starting and most public universities in the area are inviting students back to campus. Ensure your child will be adequately insured if they attend an out-of-state school, rent an apartment, or borrow their friend’s vehicle.
5. Do you have questions regarding the benefits of an umbrella policy?
Umbrella insurance is a form of liability insurance that supplements your basic liability policies, such as your auto, home, or renter’s insurance. The main purpose of an umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you, or someone on your policy, are held responsible for damages or bodily injuries. If another party files a lawsuit against you, your umbrella coverage will pay for the damages you're legally responsible for up to the policy limit.
BHFCU Insurance agents are happy to visit with you regarding these important questions. Call 605-718-7888. The right insurance coverage is more important than just being covered. Make certain you have the right coverage.