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1. Select a strong insurer; Fast, fair claim service is a must when it comes to homeowner coverage. Ask about the Company

2. Don't Guess At Your Coverage; The cost of rebuilding your home might exceed your estimate. Consult your agent and determine how much you need to rebuild from the ground up. (In a fire, you could be left with just the foundation!)

3. Don't Under-Insure Your Possessions; Saving a few dollars up front could cost you a significant amount of money at a time of loss

4. Always opt for Replacement Value; Unless you insure for replacement cost of household possessions, you will be paid only purchase price, less depreciation, for items burned or stole.

5. Choose an Appropriate Deductible; The higher the amount of a properly loss you elect to "self insure" the lower your premium is likely to be. ($250 is fairly standard, but $500 is affordable for most homeowners.)

6. Schedule Art, Furs, Antiques and Collectibles; Make certain all items of this nature, (especially those worth more than face value) are separately "scheduled" for their worth.

7. Ask About "Off-Premises" Coverage; don't take a chance with expensive equipment. Make sure your insurance covers possessions in transit and for "mysterious disappearance." (Lack of coverage can be an extremely costly mistake.)

8. Make Sure You Get Proper "Credits"; Many policies provide discounts for central and other alarm systems, for proximity to fire hydrants and fire stations... for proper smoke alarms.

9. Check on Your Coverage for "Living Expenses"; In the even of fire or other damage to your home, your policy should provide adequate payment for alternate lodging during the period of rebuilding.

10. Find Out About Excess Liability; Don't take basic liability coverage for granted if you have "attractive hazards" such as a swimming pool or "frisky" pets. (Lawsuit settlements really have become excessive.)

11. Don't Ignore Earthquake and Flood Insurance; "It can't happen here" has cost may a homeowner thousands of dollars and countless grief. Neither peril is covered under standard policies -- check them out.

12. MOST IMPORTANT! TALK TO US!; We're independent agents representing several companies that want to compete for your business. Let us do the "shopping" for you. We can almost certainly save you money and concern. And, by insuring through us, at a time of loss, you have an agent who represents your interests--- not the insurance companies. We'll handle the paperwork and make sure you get a fast, fair claim settlement. Isn't that what insurance is all about? For sure, it's what we're all about.

1. Opt For A Stable Insurer; While most insurers provide fair settlements, time is money, too. Be sure the carrier you choose has a reputation for fast claim service.

2. Don't Over-Insure; Choose only the coverage's you need. For example, if your car is over 5 years old, maybe you should drop collision insurance.

3. Don't Under-Insure; Saving a few dollars up front could cost you a significant amount of money at a time of loss.

4. Select the Right Deductible; By "self-insuring: what you can afford, deductibles can save you significant premium dollars.

5. Choose The Appropriate Limits; Don't underestimate jury awards -- often they re astronomical. Consider liability coverage carefully.

6. Excess Liability; This is economical coverage that picks up where your auto (and homeowners) liability leaves off. It can save huge amounts in the event of a large judgment against you.

7. Ask About Discounts; Some insurers offer multiple car discounts and safe driver discounts -- even discounts based on years of experience or retirement status.

8. The Comprehensive Coverage Question; Without this option, you will not be paid for fire, theft, vandalism, or other losses out of your control.

9. Uninsured Motorist Coverage; This is an important dollar saver in the event you are the victim of a hit and run driver, or one without insurance.

10. Towing and Replacement Vehicles; Following an accident, without this coverage, you might have to go "out of pocket" to move your auto or rent a replacement car.

11. Collision Coverage; If you have a car load, this insurance is required, but you should protect your interests too in the event your car is badly damaged by unknown persons.

12. MOST IMPORTANT! TALK TO US!; We're independent agents representing several companies that want to compete for your business. We "shop" for you!.

When you consult with us, we will help you make all of the right auto insurance decisions. Most important, at a time of loss, we represent your interests, not those of the insurance company. In the event you have a claim, you can count on us to work with you for a fast, fair cash settlement.