As the year comes to a close, it’s time to take stock of everything that you are doing to safeguard and protect your home. You want to make sure that you have the best home insurance that is designed to cover everything that is important to you and your family. Fall River homeowners insurance shouldn’t just protect your lender; it should include riders, add-ons, and extras designed to cover your belongings and provide protection during the type of weather conditions that affect your area the most.
Contact your Fall River insurance agent to discuss your current policy. Or, if you don’t have a policy with Paul B. Sullivan Insurance Agency, you can come by and review your current home insurance in Fall River to see if you can get better coverage through our local agents. It is important to take a little bit of time each year to make sure that you have enough coverage, and to make updates to your policy for things like new appliances, upgrades to security, home improvements, and other essential features.
Reason #1 – Changes in Your Life
If you have made any changes in your life over the past year or since the last time you spoke with your Fall River insurance agent, make sure to contact the agency to update your file. Changes can include renovations or additions to your home and new personal items, such as jewelry, electronics, computers, and furniture. Other information that you should share with your agent to ensure that you have the best home insurance policy available include changes to your family, such as a new family member or a new pet. While some of these things may affect your policy or require changes, others will just be information for your file so that your agent can continue to offer you opportunities available to Fall River homeowners for even more comprehensive coverage.
Reason #2 – Changes to Your Policy
Sometimes, even if we don’t make changes in our lives that could affect our home insurance in Fall River, some changes will still occur. It’s a smart idea to look over your policy with your Fall River insurance agent when it comes up for renewal, but you should always go over everything again at the end of the year to make sure that you understand any increases. You don’t want to overpay for your insurance or continue paying for things that are no longer relevant to your home, so the best way to ensure this is to work with your agent directly. Also, if you have any questions about your policy, your agent can answer any questions that you might have so you can make sure that you have the best home insurance to meet your needs.
Reason #3 – Changes to Discounts
You may be eligible to receive discounts on your policy based on changes that have occurred throughout the year. There’s no way that your agent will know to adjust your Fall River homeowners insurance policy and give you those discounts if you don’t sit down and have a discussion about your situation. Some discounts are available due to things that you do, such as having your auto insurance and home insurance in Fall River through the same insurer. They are called multi-policy discounts. Your agent will ask you a series of questions, so it can literally pay to answer those questions thoroughly and accurately. You never know what changes, behaviors, and actions may provide you with an opportunity to save.
You Don’t Have to Wait
The good news is that you don’t have to wait until the end of the year, the end of your policy, or any other landmark event to contact your Fall River insurance agent. The only way to guarantee that you have the best home insurance available to protect your home and personal belongings is to work closely with your agency to ensure that your Fall River homeowners insurance policy is up to date and accurate. Discounts can be applied at any time and, because there are so many things that can influence or affect your eligibility for specific opportunities, it’s a good idea to check in with your friendly, neighborhood agent on a regular basis.
Contact Paul B. Sullivan Insurance Agency in Fall River by calling 508-678-9611. We provide a wide variety of insurance opportunities, including marine insurance, wedding insurance, commercial business owners insurance, commercial auto/truck insurance, auto insurance and home insurance in Fall River and the surrounding area. Give us a call for a FREE QUOTE on any of the coverage that we provide and see for yourself why so many of your friends and neighbors in the Southeastern Massachusetts region trust Sullivan Insurance Agency for all of their personal and professional insurance needs.