If it has been a few years consider taking off the insurance autopilot with this quick assessment.
Here are 10 easy questions you should know.
Personal
- Does the insured value of my home accurately reflect the cost it would take to rebuild?
- Did I update my insurance when I put my home or lake home into an LLC or trust?
- Do I want my mechanical equipment or utility lines covered?
- Do I want any jewelry covered?
- Does my home/car insurance cover claims due to a business exposure?
- What if my sump pump fails or water comes up through my sewer line?
- Is my roof covered for replacement value or a depreciated value?
- Can my health insurance deductible be covered if I am in a car accident?
- What if I rent a car on vacation? Or in a different country?
- Does my umbrella include uninsured/underinsured motorist coverage?
Small Business
- What coverage do I have in place if I cannot operate in my building?
- Does the insured value of my property accurately reflect the cost it would take to rebuild?
- Do I need to get certificates of insurance from my subcontractors?
- Does my general liability cover advice I give clients?
- Does my general liability cover mistakes I could make on employee benefits?
- Is private information from customers covered?
- What if I terminate an employee and they bring a lawsuit against me?
- Do my employee(s) or prospective employee(s) driving history matter?
- What commitment do my employees give me when I give them a vehicle to drive?
- Do I know what affects my workers compensation rates?
This is by no means comprehensive, but how about a catch all question to your trusted insurance adviser? Ask them this:
“Is there anything else I should consider?”
It’s a brilliant question and it opens the door for open and honest conversation. You are in charge. Make the most of it.
Jeremy Hyde | Colligan & Company
I found your website from Google as well as I need
to state it was a fantastic find. Many thanks!
Great post
Excellent job on this topic! I need to check out my insurance
Thanks for your posting. I need to evaluate my insurance needs and find an agency I trust.
Thank you for this post, I needed some help knowing how to look at my insurance.
Doing an annual insurance review is important, I’d recommend it. Its easy to just let it go, but don’t!
Insurance is great when you need it.
Independent agents have much better insurance options too. Thanks Colligan
Thanks for the insurance questions
I like these questions, I think I want to discuss this.
I let my employees drive their own vehicles for work. How would they be covered on my business auto?
I’ve done a lot of upgrades to my home and want to make sure I’m insured properly
I’m going to call you, my business isn’t insured
I really hate buying insurance, but I know i need help.
Small businesses get very little help for insurance, I think most of us are scared of what we really need.
I have a small delivery business and I’m not sure I’m protected insurance-wise. I think you can help
My concrete business could use your insurance help, my current agent doesn’t ask any of these questions.
Thanks, nice insurance writeup
Do you have a longer insurance assessment? I want to make sure I have what I need.
Good insurance info, thanks
Most people just assume they have what they need instead of educating themselves, good job Colligan Insurance!
I need help with insurance. I’m going to reach out to you with my info. Thanks
This better helps me understand what I should look at on my insurance. Thanks Colligan
This is a good start to reviewing your insurance but you really need pros like the guys at Colligan
Good questions Colligan!
Anyone that needs home/auto or business insurance in Fort Wayne needs to come to you!
Your insurance rocks! Thanks Colligan!
There are a lot of shaddy agents out there, glad to have my insurance with Colligan
This is a good start to discuss with my agent, but I think I’ll call you guys now.
I’m grateful for this, thanks for posting on this insurance stuff
I need a better insurance agent, please contact me.
You don’t need insurance until you do! Better make sure its right!
I’m thankful for an insurance agency like yours
I need to stop and evaluate my insurance this sometime
These are good points!
People need to stay on top of their insurance and not just let it go.
These are good questions to ask on my home insurance
Thank you for help insights into insurance. I need to call you guys
Fort Wayne people need help with their insurance!
Its a good a idea to get help on insurance
My agent doesn’t ask me this stuff.
Local insurance help on this stuff sounds good
I need insurance help. thank you!
I’ve been with State Farm 30 years and I’ve never even thought about this
These are good insurance points, thanks
Insurance is kind of confusing, seems like you should go with someone you trust
Insurance is a two way street
I’m glad to sit down once and a while with my insurance agent and actually talk about this stuff, but I know most people are “too busy.”
The general public needs to actually think about these things and not just hope for the best
These are some general insurance questions that I would think everyone forgets to ask themselves
Go Colligan, my Fort Wayne insurance of choice
I don’t just want to hope and see if something is covered by insurance. Glad you are in Fort Wayne
A lot of people don’t take care of their insurance
I’m glad your insurance agency is in Fort Wayne!
I need help with my insurance
I’m wondering how to do this consistently
These are good questions
I don’t like to think about my insurance, but I know I should
It’s important that you stay protected
It’s important to check your insurance needs once in a while
Thank you for your guide and also your review questionnaire for my home and auto.
Don’t forget about your insurance
Do this often and with your insurance agent
You need to talk with an insurance advisor
Thanks for the insurance info
A good insurance checklist
Your agency rocks
Your work is important to Fort Wayne
We appreciate your business
Go Colligan, good job on the insurance blog
I also like your review questionnaire
People want to spend as little of time on insurance as possible… until something bad happens and its all the agents fault
Good info. Thanks, I think a lot of businesses just forget to look at their insurance
Thanks for the info, I need help on my business insurance. I’ll email you Jeremy
I have investment properties so I need to review my insurance regularly
These are simple questions and a good starting point
I’d like more in depth questions, let’s get together on my insurance. Thanks,
You need to think about your home and car insurance, these are good questions
These are good interesting insurance questions. Thanks
Good to ask yourself insurance questions once in a while
Great info.
Go home insurance
Good idea to do your insurance questionnaire regularly
I’m wondering how often to ask these types of questions… maybe I should talk to an agent
Folks who want advice call Colligan insurance agency
Don’t be fooled by great insurance commercials, go for great insurance companies
Interesting questions…
Good quick read. Thanks
Everyone needs to look at their insurance sometimes
Good insurance questions
Nice, quick questionnaire on your website too. Good job Colligan
Take the time and do your insurance right. Don’t blame anyone
I tend to forget about looking at my insurance so it’s a good idea to slow down and make sure I’m in good shape
Thank you for serving us folks in Fort Wayne for so long
Good to do checks on your insurance with a professional
You should care about insurance, you’re spending a lot of money. Don’t just close your eyes and hope.
I think I need to talk with someone, I have some more complicated things I want to talk about.
Everyone needs to think about their insurance occassionally.
Thanks for the info Colligan
Good to check up on your insurance
thanks, good start to questions… i have others
I like to talk every couple years or if I have a life change or property change.
Take assumptions off the table when it comes to insurance
Let’s do this, time for a real insurance check up
Let me sign up with you guys
Thank you, good idea
People need to be doing this regularly
A quick assessment is good, but I’d like to get together too
It is good to check up on your insurance once in a while
I really don’t want to take the time
This is a good article. Thanks for taking the time
As painful as it is sometimes you gotta think about your insurance
Gotta pay attention to this people
I hate going over my insurance, just takes time and is complicated and expensive
I guess it is important to review your insurance once in a while
Every once in a painful while….
Lots of people never think about their insurance…whats new?
Watch out what you are doing so that you aren’t caught off guard
It’s important to understand your insurance thanks
I do agree with all the ideas you’ve presented on your post. They are very convincing and can certainly work. Still, the posts are very quick for starters. May you please lengthen them a bit from subsequent time? Thank you for the post.