When you’re in the market for personal insurance coverage, it’s important to find a program that fits your unique needs and changing lifestyle. To help take care of your home and other assets, consider these four essential tips:

1. An Insurance Professional Should Help Organize Your Insurance Program

When numerous assets are acquired over time, it is common to insure them with many different programs, often leaving your assets unorganized and expensive to manage. This can lead to gaps in coverage that may only be discovered when an insurer unexpectedly denies your claim. A personal insurance professional can help organize and manage your insurance program with a holistic view.

2. Keep Your Options Open

The benefit of retaining an independent insurance agent or broker is that they help provide solutions to fit your needs. They should frequently present you with options to help organize your coverage.

3. Have Enough Personal Liability Insurance

If a lawsuit puts your assets at risk, the last thing you want to worry about is insufficient limits. Instead, you should ensure your liability coverage limits protect your current net worth and future earnings. Our Brown & Brown Personal Insurance team can help you determine this value.

4. Be Certain of Your Insurer’s Financial Strength

Always look for financial stability when choosing your insurer. It is important that your provider is strongly capitalized and will be able to pay your claims. Look for insurance companies rated “A” or “Excellent” by A.M. Best.

How We Can Help

The Brown & Brown Personal Insurance team focuses on placing insurance for home, auto, liability, flood and many specialized coverages. Contact us to learn more about how we can help.