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New year brings new things, it's a great time for an insurance check

  Jewelry and valuables

New Year brings new things, it's a great time for an insurance check

Happy New Year! We are all anxious to leave 2020 and start 2021 with the expectation of health, success and happiness. The new year gives a new beginning and possibly new things that were brought into your home. Maybe you got a piece of jewelry as a gift, or acquired an expensive gift? It is important to re-evaluate your belongings in your home and ensure that your valuables are protected.

You may not know that homeowners, apartments or tenants have limited coverage for valuables. Therefore, scheduled property, supplementary insurance, is important because it extends coverage beyond the standard protection. This will ensure full coverage of expensive items in the event of a claim.

Scheduled personal property, here are some things you might want to consider

  • Jewelry, watches and furs
  • Expensive cameras
  • Art and antiques
  • Stamps and coin collections
  • Musical Instruments
  • Firearms
  • Memorabilia

Call us at 413.475.7283
Fill out our online quote form today

To add scheduled items to your insurance you need an assessment or an invoice within a year. Contact one of our insurance agents, or as we like to call them, protection advocates, to discuss the right coverage for your individual needs.

What if I have already planned items on my insurance a while ago?

  • It's a good idea to make sure you still have all items listed in your policy
  • Be sure to add any newly acquired items
  • If you have an old outdated assessment your items need to be reconsidered
  • Take updated photos of your valuables

Not only the holidays but also other life events can also change your insurance needs, such as getting married, moving into a new home, having a baby, buying a new car, inheriting the family inheritance, or other updates and changes. Now is the perfect time for an insurance check. Here are some important factors that you should contact your insurance agent to discuss.

Homeowner / rental insurance

  • Update your home inventory
  • Have you recently rebuilt or added your home
  • Installed a new home protection system or other security features
  • Did you get a dog or do you have no longer someone
  • Installed a pool or removed one
  • Maybe you started renting out your house or a room [19659007] Do you now have a home business outside your home
  • Have you refinanced and changed your mortgage or paid your home

Call us at 413.475.7283
Fill in our online quote form today

Car insurance

  • You have received a new car or no longer one
  • Recently bought a classic or antique car
  • Is there a significant change in the number of miles you drive annually
  • You moved and need to update your garage
  • H have you added a driver to your household or perhaps removed a driver
  • Have your exp increased from driving in a car pool or driving for a passenger traffic
  • Maybe you paid for an older car and would not want to repair it if it was damaged so you want to lose the collision coverage

Some other benefits with reviewing your insurance every year

  • Take advantage of discounts by bundling home and car insurance
  • Make sure you get all available discounts
  • We can check that you have the best coverage at the best price
  • Review your deductible
  • Assess potential umbrella liability needs

It is a good idea to review your insurance every year to make sure it best suits your current situation. We want to help ensure that you and your family have peace of mind knowing that your belongings are properly insured. At Encharter, our staff of professional advocates is ready to help with your unique needs.

Call us today at 413.475.7283 to discuss your unique insurance issues!
Fill in our online quote form today

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