Are You Making These Costly Insurance Mistakes?

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Are You Making These Costly Insurance Mistakes?
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• Making a mistake with your insurance can cost
  you. Heres a list of common missteps that can
  land you (and your pocketbook) in big trouble if
  youre not careful.
• Underinsuring your home. As home values
  appreciate in your neighborhood, you may find
  yourself underinsured especially after making
  major renovations. Insure your home for the cost
  to rebuild it, and not its current market value.
  Review your homes value with your We Insure
  insurance agent on a regular basis.

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• Selecting an unaffordable deductible. Choosing a
  high deductible can save on your monthly
  premiums, but its not a good idea if you cant
  afford big upfront costs when disaster strikes.
  Be sure you have enough money in an emergency
  fund to cover your maximum deductible should the
  need arise.
• Assuming all your belongings have coverage. Basic
  homeowners policies routinely exclude a number of
  items, including jewelry, electronics, artwork,
  cash and collectibles. The list can vary from
  carrier to carrier. Review your policy with your
  agent to make sure you have coverage for all of
  your valuables. You may need to purchase an
  additional rider to cover some of these items.

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• Not shopping around. Depending on where you live,
  We Insure can compare prices from up to 100
  top-rated carriers. This can result in
  substantial savings on the coverage you need.
  Well do all the legwork for you and give you an
  apples-to-apples competitive quote for your home,
  auto, business, RV, boat and other policies you
  need.
• Buying the least expensive coverage. While
  theres nothing wrong with shopping around for a
  good deal, if you let price be the only deciding
  factor, you might end up with insufficient
  coverage, or a policy from an insurer thats not
  on solid financial footing. Customer service is
  an important consideration as well. Be sure to
  balance price with features and service when
  shopping for a policy.

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• Ignoring flood risks. Flood insurance is
  relatively inexpensive and covers a peril that
  most homeowners insurance policies exclude. Check
  to see if your home is in the flood zone by
  consulting the National Flood Insurance Program
  (NFIP).
• Buying a bare-bones auto policy. Purchasing the
  minimum amount of liability insurance may put you
  in a bind should you ever face a lawsuit after an
  accident. State-mandated minimums are just that
  minimums. Depending on your financial
  circumstances, it may be advantageous to obtain
  additional coverage.

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• Neglecting to ask about discounts. You can often
  save money on your premiums by documenting that
  you have an antitheft system in your car or
  monitored security in your home. You may also
  save by bundling homeowners and auto insurance
  policies with the same carrier. A We Insure agent
  will be happy to check for all available
  discounts for you.
• We Insure offers competitive rates on top-rated
  homeowners, business, boat, and RV insurance
  products, among others. Our friendly and
  knowledgeable agents will give you a fast and
  free competitive quote for all your needs. All
  insurance is not the same, and service matters.
  Call your local We Insure independent agent today.

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• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Auto, business and homeowners
  insurance in Miami FL. Our agents understand that
  you work hard every day to protect your car,
  home, business and family. WE are passionate
  about Insurance and passionate about serving you.
  If you are looking for auto or business or home
  insurance companies in Miami, contact us for a
  quote or a complimentary review of your insurance
  policies.