Page 3 - AAA Now! – AAA Northway – Summer 2020

INSURANCE SERVICES
FAMILY CHANGES? CONSIDER ADJUSTING YOUR INSURANCE
Families change in many ways as new members are introduced and milestone birthdays are celebrated. Here’s when to double-check that you and your loved ones are adequately protected.
If you get a pet ... Talk to your agent to find out if your homeowner or renters policy includes liability coverage if your pet is ever involved in an accident. Liability coverage is especially
essential for dogs because
even a small dog bite can
permanently scar the face of
a child. If your homeowners
or renters policy doesn’t
adequately cover your pet,
consider purchasing an
additional umbrella policy.
Keep in mind that owning
certain breeds of dogs
deemed “vicious” might make
you ineligible to buy home
insurance from certain companies entirely.
If you have a baby ... You might qualify for a lower auto rate. If you upgrade to a larger or safer vehicle, adjust your auto policy accordingly. You also might want to change your homeowners or
renters insurance policy if you acquire additional belongings or if you don’t already have accidental damage coverage. The birth of a child also might be an excellent time to combine multiple insurance policies for the best rate.
If your teenager is ready to drive ... Call your agent before your teen gets a learner’s permit to determine
how much it will cost to insure your teen once licensed. Make sure to ask about student discounts. Expect your auto insurance rate to increase when you add a teen driver to your policy — teenagers cost more to insure because they have yet to establish a safe track record.
If you send a child off to college
... Ask your agent if you qualify for auto discounts. If your child takes a car to campus in-state and remains on your policy, coverage likely still
applies. If your child takes a car to campus out-of- state, check with your agent to see if coverage still applies. Encourage your child to leave valuable belongings at home and do a detailed inventory of what they take. If your child is living in a dorm,
most of their belongings will likely be covered under your homeowners policy. However, you might want to consider a personal property endorsement if
your limits aren’t high enough. If your child is living off-campus, consider a renters insurance policy to protect their belongings and protect them from liability in case of an incident.
If you lose a loved one ... Call your insurance agent. If the person who passed away was listed on your auto or homeowners policies, have them removed. If your spouse passed away and left you a home, ask to be listed as the “named insured” — most insurance policies allow surviving spouses to continue making payments until the policy can be re-registered or rewritten. (Be sure to have the policy number and death certificate on-hand.) If you are an heir to a home, contact the insurance company as soon as possible, as the policy might need to be rewritten.
If someone passes away, leaving their car behind, contact the insurance company to find out who is listed on the policy.
To make sure you have the coverage you need,
talk to your local AAA Insurance agent. Request an appointment at your local AAA branch office by clicking AAA.com/Insurance or calling 866-222-0937.
Josh Cseh
Schenectady
518-831-1871
Ken Perinsky
Vestal
607-338-1199
Toni Tuttle
Halfmoon
518-831-1867
Dennis Horton
Amsterdam
518-831-1869
Sarah Ashline
Plattsburgh
518-314-1619
Jeff Houghton
Saratoga
518-831-1864
Call today to learn how you may be able to save with your AAA discount.
We can handle all your insurance needs
As a member of AAA, you could save hundreds of dollars
Auto • Home • Boat • RV • Motorcycle • & more Wedding
Travel Trailer
Flood
Umbrella
Watercraft
ATV
Boat
RENT
Renter’s
Pet
Landlord
Auto
Home Motorcycle
Trailer
Golf Cart
Snowmobile
AAA Insurance is provided through Club Insurance Services LLC, which offer products through AAA-affiliated companies and non-affiliated companies.
Contact AAA Insurance for your free insurance checkup:
1-866-222-0937 AAA.com/Insurance
SUMMER 2020
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