Flood/Storm Preparation Tips
June 15, 2015
April Fools!
April 1, 2016

I have always loved music! I remember being a little girl listening to my God Father play his guitar and always wanting to learn. I’ve made my attempts over the years but had never committed to taking lessons or buying an instrument. About two years ago I decided that it was time to put my love of music to the test and learn to play. A couple of my friends played just about every weekend, and I wanted to “be in the band!”. Thanks to YouTube, chord charts and playing with friends, I have learned to play the ukulele and guitar. By no means am I a pro, but I love to play and am constantly learning and improving.

As any musician will tell you, tuning your instrument is the first thing you do before you start to play. When you hear a singer or musician out of tune, the whole thing just sounds “off” and can ruin the experience. Music is supposed to bring a pleasant sound to your ear but when out of tune, it takes away from its entire purpose.

This thought came to me…… an insurance policy without the right coverage is like a guitar out of tune.

It may get you by but it is not reaching its full potential of what it is designed to do. No one wants to listen to music that is out of tune, and you shouldn’t want to pay premiums for something that doesn’t provide adequate coverage. The purpose of insurance is to provide financial protection and peace of mind in the event of an unforeseen accident or natural disaster. Wouldn’t you have peace of mind knowing your policy will cover you in the time of need?

Here are a few tips to make sure your coverage is “in tune”:

  1. There are many different types of policies in the market which define the coverage available. Have your agent explain what types of losses are covered, what is excluded, and what endorsements are available.
  2. Does your policy cover Replacement Cost or Actual Cash Value (ACV)? Replacement Cost provides the necessary coverage to replace with like kind and quality, not to exceed your policy limits. ACV means depreciation is deducted when claims are made.
  3. Choose a deductible amount that is right for you. Would you be able to pay the deductible in the event of a claim?

There is no one perfect policy for everyone. Talk to your agent about your specific needs and have a policy designed that is right for you.

Stay “tuned” for my next blog!

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