Page 6 - Explore Your AAA – AAA Southern Pennsylvania – January/February 2019

Insurance Just as an annual physical is good for
your health, taking time to regularly examine your insurance coverage can help ensure your financial well-being. Although this can be done at any time, the beginning of the year is a good time to take stock.
Follow these simple steps to make sure your insurance coverage is still a good fit for your needs:
Know your coverage
Review your current auto, home and life insurance coverages. Know what your deductibles are for each policy (the amount of your claim for which you may be responsible). Contact your agent or insurance customer service if you don’t know the details of your policies.
Think about what’s changed since your last checkup:
• Did you get married or experience
another life-changing event recently? • Have you renovated, downsized or
upsized your home?
• Have you acquired a vacation or rental
property?
• Do you have a new driver in your family? • Have you joined a carpool and increased
or decreased the number of miles you
drive?
• Have you recently acquired valuable items
such as jewelry, artwork, collectable coins or electronic equipment?
You may want to change your insurance coverage depending on the answers to these questions. Make sure to ask your agent or insurance customer service about multi- policy, good student and other discounts.
Review your home inventory
Now is also a good time to review your home inventory, or create one. Keep a copy of the inventory online or in a secure place, like a safe deposit box.
Check your liability coverage
Make sure the liability coverage on your
homeowners or renters policy is adequate. This may also be the time to consider getting a personal umbrella policy for additional liability coverage.
Consider natural disasters
Homeowners policies do not cover flood or earthquake damage.
Evaluate your auto coverage
If you have an aging vehicle, you may want to remove collision coverage. If you’ve changed jobs, retired or plan to go on more (or fewer) long-distance road trips, you may want to adjust your policy to reflect the number of miles you intend to drive. If your child is going away to college with a car that’s covered by your policy – or leaving a car at home – be sure to inform your agent.
Contact your insurance agent
To discuss your insurance needs, call your AAA Insurance agent at 1-800-222-1469, visit AAA.com/Insurance, or stop by your local AAA office.
AUTO + HOME
BUNDLE YOUR INSURANCE AND SAVE
The more AAA covers, the more you could save. Multi-policy discounts give you
more protection, greater savings, and, most importantly, someone who’s there at every turn. Insurance that’s not just insurance.
Go to AAA.com/insurance
Visit your local AAA insurance agent
Or call 800.222.1469 for a quote
Insurance provided by CSAA Insurance Group, a AAA Insurer. ©2018 CSAA Insurance Group
6 JANUARY/FEBRUARY 2019