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New Year's promises for insurance



 New Year's promise

New Year's promises for insurance

The new year is a time for reflection; a complete reminder to all of us that perhaps we should take stock of what has happened and what comes next. And this makes it an excellent opportunity to evaluate our insurances and ensure that everything is on track for 2022. Insurances should never be one thing that can be done. When 2021

is over, here are some important tips from analysts and experts on how you should consider your car, home and life insurance policies in the coming year. If you have any questions, contact our office at 413.475.7283 or fill out our quote form online today!

Car insurance

The most common insurance trap for drivers is a combination of being underinsured and not understanding the coverage they have already purchased. Shockingly, up to 40 percent of road drivers are not adequately insured for bodily injury and this can be financially catastrophic. As the new year approaches, make sure you have the best insurance at the best price that includes adequate amounts of bodily injury protection on your car insurance – most of what you can afford without derailing your budget. It is almost as important to ensure that you have coverage for uninsured / underinsured motorists (UM).

Homeowners Insurance

When reviewing your homeowner's policy for the new year, there are three important questions to ask yourself to: determine if or not your home is properly insured:

  1. What would it cost to rebuild?
  2. If I can not live in my home, where should I live then?
  3. What would happen if someone was injured or killed on my property?

Homeowners often buy insurance with relatively low liability coverage, and think it will save them money – but it is relatively inexpensive to come across it. As a homeowner, you are exposed to debts from all sorts of accidents, which are everything from slipping and falling to a violent act. You need to consider how much such an event can cost and then protect yourself properly.

Also keep in mind that if you run a business from your home, you may need insurance through a commercial policy, especially if you store equipment on site or have customers who come to your home to do business.

Life insurance

The cost will vary depending on a lot of factors, but in general, life insurance is incredibly cheap for the value it provides. What will you do if your spouse is not around and does not leave the family financially secure? What will you do if you, the working family member, leave your family behind without enough income to pay the bills, get rid of debts or send the children to school? Life insurance for you and your spouse only takes a few minutes to set up and saves years of struggle later if you need it.

If you are ready to buy life insurance for the new year, it is important to think about two things:

  1. Too many people buy a life insurance policy – which is only paid for if deaths occur during the insurance period – with a shorter duration than they should.
  2. Warning to shop only for the lowest price tag. Choose A- or A + -ranked companies. They get higher ratings because they usually pay out claims faster and have fewer complaints from customers regarding easy payment of money and customer service.

If you already have life insurance, the new year is a perfect time to think about whether last year's changes occurred. would affect your needs or the insurance premium. Some things to keep in mind:

  1. Have you experienced any major life changes that need to be reflected in how much coverage you have?
  2. If you have a life insurance policy, do you know when your term expires?
  3. Positive changes in your health 2021 can affect your life insurance going forward. For example, if you have lost weight, stopped smoking or are no longer in need of medication for blood pressure or cholesterol, you can request a new medical examination from your current provider or take a medical examination from a new company to see if they offer a more competitive price.

Encharter Insurance is an independent insurance agent in Amherst, MA. We can offer coverage from many insurance companies so that you get car, home and life insurance for your budget and your needs! You can reach us at 413.475.7283 or online at encharter.com.

Source: https://www.huffpost.com/entry/why-the-new-year-is-a-goo_b_14004966

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The new year is a time for reflection; a complete reminder to all of us that perhaps we should take stock of what has happened and what comes next. And this makes it an excellent opportunity to evaluate our insurances and ensure that everything is on track for 2022. Insurances should never be one thing that can be done. When 2021 is over, here are some important tips from analysts and experts on how you should consider your car, home and life insurance policies in the coming year. If you have any questions, contact our office at 413.475.7283 or fill out our quote form online today!

Car insurance

The most common insurance trap for drivers is a combination of being underinsured and not understanding the coverage they have already purchased. Shockingly, up to 40 percent of road drivers are not adequately insured for bodily injury and this can be financially catastrophic. As the new year approaches, make sure you have the best insurance at the best price that includes adequate amounts of bodily injury protection on your car insurance – most of what you can afford without derailing your budget. It is almost as important to ensure that you have coverage for uninsured / underinsured motorists (UM).

Homeowners Insurance

When reviewing your homeowner's policy for the new year, there are three important questions to ask yourself to: determine if or not your home is properly insured:

  1. What would it cost to rebuild?
  2. If I can not live in my home, where should I live then?
  3. What would happen if someone was injured or killed on my property?

Homeowners often buy insurance with relatively low liability coverage, and think it will save them money – but it is relatively inexpensive to come across it. As a homeowner, you are exposed to debts from all sorts of accidents, which are everything from slipping and falling to a violent act. You need to consider how much such an event can cost and then protect yourself properly.

Also keep in mind that if you run a business from your home, you may need insurance through a commercial policy, especially if you store equipment on site or have customers who come to your home to do business.

Life insurance

The cost will vary depending on a lot of factors, but in general, life insurance is incredibly cheap for the value it provides. What will you do if your spouse is not around and does not leave the family financially secure? What will you do if you, the working family member, leave your family behind without enough income to pay the bills, get rid of debts or send the children to school? Life insurance for you and your spouse only takes a few minutes to set up and saves years of struggle later if you need it.

If you are ready to buy life insurance for the new year, it is important to think about two things:

  1. Too many people buy a life insurance policy – which is only paid for if deaths occur during the insurance period – with a shorter duration than they should.
  2. Warning to shop only for the lowest price tag. Choose A- or A + -ranked companies. They get higher ratings because they usually pay out claims faster and have fewer complaints from customers regarding easy payment of money and customer service.

If you already have life insurance, the new year is a perfect time to think about whether last year's changes occurred. would affect your needs or the insurance premium. Some things to keep in mind:

  1. Have you experienced any major life changes that need to be reflected in how much coverage you have?
  2. If you have a life insurance policy, do you know when your term expires?
  3. Positive changes in your health 2021 can affect your life insurance going forward. For example, if you have lost weight, stopped smoking or are no longer in need of medication for blood pressure or cholesterol, you can request a new medical examination from your current provider or take a medical examination from a new company to see if they offer a more competitive price.

Encharter Insurance is an independent insurance agent in Amherst, MA. We can offer coverage from many insurance companies so that you get car, home and life insurance for your budget and your needs! You can reach us at 413.475.7283 or online at encharter.com.

Chat with an Encharter agent about your insurance today:
413.475.7283
Fill in our quote form online [46] Source: 019 / www.huffpost.com/entry/why-the-new-year-is-a-goo_b_14004966