As we near the year end of 2009, it is a good time to think about reviewing your coverage. Ask youself, what major or minor changes have occured in your household. Did anyone move in? Did anyone move out? Did you do any home improvements? Did you buy more jewelry? Almost any type of change in your family, your family members or change in your home situation can all have an effect on your insurance coverage.

Did you know that a little change such as the youngest member of the family turning 25 years old can lower the insurance premium by a sizeable amount?

Here are some other things to think about when reviewing your current insurance coverage with your insurance agent.

• Raising your collision deductible or even cancelling collision deductible for an older vehicle in the household.
• Deleting floater coverage on  items in the house that you no longer own.
• Did you install a new fire/security alarm system in the house this year and not claim your homeowners discount?
• Did a family member finally quit smoking for good?
• Raise coverage on a specialty item that you recently purchased.
• Raise personal property coverage on added computers in the house.
• Did you make any noticeable home improvements since your last review?

These and many other situations can contribute to you saving paying more insurance premium than you have too. The most important thing to know is that you make certain you have enough insurance to cover what you may think you have.

The tragedy of many insureds is that you assume you have coverage on something or a situation that you really do not and find out that there is no coverage. If only you reviewed your coverage with your insurance agent before a loss!!

Be prepared is to be forearmed!!

Have a save and prosperous holiday!

From all of us at Doug Seide Insurance Agency.

Call Us at 480-443-1952.