We've Got You Covered.
As life changes, your coverage should, too. Let’s work together to protect what matters most.
Review most common life events that may require changes to your policy.
Home
- Refinanced your home or paid off a mortgage.
- Renovated your home or replaced your roof.
- Hosted as a short term or vacation rental.
- Purchased a second home, land or other property.
- Deeded any properties as an LLC or Trust.
- Added any detached structures or garages not currently insured on your policy.
- Conducted any business activity or hobbies from your home.
- Stored any business-related property, tools or equipment at your home that are used in a business.
Auto
- Purchased, paid off, or refinanced a vehicle.
- Operated your vehicle for ridesharing services or delivery.
- Had changes to licensed drivers residing in the household.
- Changed the title of a vehicle to another individual.
- Had any vehicles furnished for your regular use that you do not own, such as a company car.
- Changed any vehicle titles to another family member or Trust.
- Added any new residents to your home that are licensed drivers (including children away at school) who are not listed on your policy.
- Have licensed drivers attending school over 100 miles away and do not have a car.
- Store a vehicle for the winter months that is now being driven again.
Umbrella
- Employed domestic help, such as:
- Housekeeper
- Caregiver
- Babysitter
- Gardener
- Serve as a Director or officer for a non-profit organization or HOA.
- Travel often, requiring coverage for incidents at home or abroad.
- Are at risk for reputational damage such as libel, slander, or a lawsuit.
Valuables
- Collected valuables, such as:
- Antiques
- Furs
- Wine collections
- Golf equipment
- Firearms
- Fine arts
- Jewelry
Recreation
- Purchased a new asset such as a:
- Jet ski
- E-bike
- Boat
- RV
- Motorcycle
- Golf cart
Did you know?
Standard home policies typically do not include earthquake or flood insurance.
Exposures to a liability loss may exceed your policy limits, even if you already have an umbrella policy in place.
Additional limits of liability may be available.
Frequently Asked Questions
If I do not have any changes to report, what should I do?
No action is needed from you at this time.
What do I do if I’d like to discuss changing my current coverage or if I’m uncertain if a change is needed?
Contact your local office to discuss your coverage options.
Where can I find my office contact information?
This can be found on your most recent declarations page, by accessing your online portal, or through your insurance provider.
Please Note
It is your responsibility to review your insurance policy documents each term, including the forms, terms, and conditions. Be aware that changes in policy terms may occur upon renewal, which could include modifications, additions, or deletions of any term, coverage, duty, or condition from your previous policy. It is crucial to contact us immediately if any coverage needs or changes are required. Read our Compensation Disclosure.