Top 10 changes you should let your insurance agent know

Here are some of the top 10 changes you should tell you insurance agent. These types of changes may effect your insurance coverage and you should contact your insurance agent A.S.A.P.

1) Have you recently become engaged, divorced or separated?

• in many cases, change in marital status may help you lower your annual premium
• in many cases, most companies offer multiple driver or multiple car discounts

2) Have you recently moved out of your home AND now renting it to others?

• in most cases, your coverage needs change if you are renting verses living in your home
• in most cases, you will need to change your policy to a Landlord policy to maintain coverage

3) Are you now living with someone in their home?

• in most cases, unless you are married to the person you are living with, your personal property is not covered under their homeowner's policy
• you will need to get a Renter's policy to cover your personal property

4) Have you taken a renter into your home?

• in most cases, your renter's personal property is NOT covered under your home policy
• in most cases, your renter will need to get their own Renter's policy

5) Are their adult children (over the age of 18) in your home?

• Many insurance companies require adults 18 years old and over to be listed as a named insured on your policy in order for their personal property to be covered in case of a claim

6) Have you added a swimming pool to your property?

• it is a good idea that if you have a swimming pool on your property, you should carry at least $300,000 in liability coverage
• it is a great idea that if you have a swimming pool on your property, you should have some type of barrier (swimming pool fence) for the safety of little children

7) Are you now driving for Uber of Lyft?

• many insurance companies require you to notify them if you drive for Uber or Lyft

8) Is their a new driver in your household?

• Most insurance companies require that ALL licensed drivers in your household MUST be on your auto insurance policy IF they do not have their own auto insurance coverage

9) Have you recently changed your address, phone number or email address?

• Unless you notify your agent of these types of changes, they will be unable to contact you if there is a problem with your policy or coverage

10) Have you recently purchased, leased or eliminated a car from your household?

• Most insurance companies give you an automatic 15 to 30 days of coverage on a new car you have purchased but after that, you will have NO COVERAGE