As we move into 2020, let’s make a resolution to check our insurance policies. Start with an inventory of what you have and check for two things on your Home Insurance:
Do I have coverage for all the items I want covered?
And do I have enough insurance to cover a total loss?
First, take out your car, home and personal articles policies. Do a quick inventory of your property. List the major items you have and make sure they are covered.
Homeowners insurance
Homeowners Insurance covers a lot of personal property but has limits on certain items such as jewelry, silverware and other collectibles like guns. Make a list of your collectibles along with the value and check your home policy to see if you have enough coverage.
Or you can always contact us at Cronin Insurance and we’ll find out for you.
You’ll want to make sure you have enough coverage to re-build your house if it burned in a fire or wiped out in a hurricane. You can use $150 a square foot to ballpark your dwelling coverage.
For example, 2000 sf under air X $150 = $300,000 in Dwelling coverage. Again, call us if you need help. We can calculate the Replacement Cost for you.
Car Insurance
With Car insurance, you should check the following vital areas:
- Are all my household residents listed as drivers on my car policy?
- Do I have or need Comp and Collision, Rental Car and Towing on my policy?
- Do I have enough Bodily Injury and Property Damage liability to insulate me from law suits? (We’ve all seen the attorney ads on TV).
- Do I have stacked Uninsured Motorist Coverage equal to my Bodily Injury Liability in case I’m hit by an under-insured driver. (Very likely).
Personal Liability Umbrella Insurance
Lastly, think about buying a Personal Liability Umbrella for more Liability coverage. You can buy a $1,000,000 of Liability starting at less than $400 a year. And you can get $1,000,000 in Uninsured Motorist for a little more.
Life Insurance
Do you have life insurance to protect those who depend on you?
Do you have enough life insurance to replace your income and pay your debts?
You are not getting any younger and life insurance goes up as you get older.
Why not buy a 20-year term policy today? It’s easy to do and the monthly premium is cheaper than going out for dinner one night.
Our Resolution for 2020 : Thank our customers, our business partners, and those who refer us.
Referrals are our lifeblood at Cronin Insurance Agency. We appreciate when you tell us our job was well done. And we appreciate it, even more, when you are nice enough to tell others about us. So, for our New Year 2020 resolution, we decided to combine two of our favorite things:
- Thanking the people who refer us to their friends and families
- Supporting local charities
Our brand new referral program for 2020.
Every time our friends and clients refer us to someone for an insurance quote, we’ll send them a Gas Gift Card, and enter them in a drawing. This happens whether we write the policy or not!
In addition, each referral is entered into a drawing once a quarter – first drawing is April 1, 2020. Whoever is selected in the drawing, we will donate $100 in their name to the charity of their choice.
We think this is a win-win-win. Your friend or family gets connected to a great Insurance Agency, you get to put a little gasoline in your car, and your charity receives a donation in your name.
We resolve to make 2020 the best year ever at Cronin Insurance. With your help, we can achieve this and help some charities along the way.
We wish you a Happy and Healthy 2020. May all your dreams come true.
