Personal Insurance Checkup

Please complete only the sections of the form below that are applicable to you (i.e. auto and home, auto and condo, etc.) and click “Submit” when finished with each section.  Please skip any sections that do not apply to you (i.e. skip condo insurance if you do not own a condo).  Your responses will be sent directly to us for review so that we can help determine whether updates to your insurance are advisable.  Thanks for helping us keep your insurance up to date!

AUTO INSURANCE

If you have an auto insurance policy, please answer the questions below and then click Submit.  If you do not have an auto insurance policy, please skip this section.  Note that “you” includes your spouse (if applicable) and “family” means you and anyone in your household (or away at college) that is related to you.

    For example, is your name on the title to a parent’s or child’s vehicle that is insured separately?
    This INCLUDES drivers that own their vehicle and have it insured separately.
    With the exception of a child away at school, someone’s primary residence is generally considered to be where they live the majority of the time, while also considering factors such as the address used on legal documents (driver’s license, tax forms, etc.), property tax records, lease agreements, etc.
    Note that Medicare, Medicaid, and certain employer-sponsored health insurance plans do not provide coverage for auto-related injuries.
    Wage Loss coverage pays 85% of lost wages, capped at about $65,000, as a result of a car accident. Increasing this coverage is available for an additional charge.
    We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).

HOME INSURANCE

If you have a home insurance policy, please answer the questions below and then click Submit.  If you do not have a home insurance policy, please skip this section.  Note that “you” includes your spouse (if applicable) and “family” means you and anyone in your household (or away at college) that is related to you.

    Home insurance policies include coverage limitations on certain classes of property, including the ones listed below. Please check all classes of property where your ownership exceeds $1,000 in value for any one piece or in aggregate.
    A home insurance policy can generally be endorsed to extend liability coverage to these types of locations in order to protect you in a lawsuit arising out of your ownership or lease of the location.
    A home insurance policy can be endorsed to provide coverage for most types of motorized vehicles that are NOT licensed for use on the road.
    Service Line Coverage provides funds for the repair or replacement of underground service lines (water, gas, power, etc.) running from the public utility or a well or septic tank to your home. Damage caused by collapse, corrosion, rust, and tree roots is generally covered.
    We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).
    A higher deductible results in a lower premium, sometimes reducing insurance costs significantly.

CONDO INSURANCE

If you have a condo insurance policy, please answer the questions below and then click Submit.  If you do not have a condo insurance policy please skip this section.  Note that “you” includes your spouse (if applicable) and “family” means you and anyone in your household (or away at college) that is related to you.

    Condo insurance policies include coverage limitations on certain classes of property, including the ones listed below. Please check all classes of property where your ownership exceeds $1,000 in value for any one piece or in aggregate.
    A condo insurance policy can generally be endorsed to extend liability coverage to these types of locations in order to protect you in a lawsuit arising out of your ownership or lease of the location.
    A home insurance policy can be endorsed to provide coverage for most types of motorized vehicles that are NOT licensed for use on the road.
    We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).
    A higher deductible results in a lower premium, sometimes reducing insurance costs significantly.

RENTERS INSURANCE

If you have a renters insurance policy, please answer the questions below and then click Submit.  If you do not have a renters insurance policy please skip this section.  Note that “you” includes your spouse (if applicable) and “family” means you and anyone in your household (or away at college) that is related to you.

    Condo insurance policies include coverage limitations on certain classes of property, including the ones listed below. Please check all classes of property where your ownership exceeds $1,000 in value for any one piece or in aggregate.
    A home insurance policy can be endorsed to provide coverage for most types of motorized vehicles that are NOT licensed for use on the road.
    We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).
    A higher deductible results in a lower premium, sometimes reducing insurance costs significantly.