Paul Dreher Director of Personal Insurance View Bio

With America’s stay-at-home directive still in place in many areas of the country, now might be a good time to evaluate your personal insurance policies. A host of insurance surveys indicate that tens of millions of US households have insurance policies that are seriously out-of-date. As a result, the following questions should be asked. If the answer to one or more of these questions is yes, it is time for an insurance checkup to ensure that your insurance policies are appropriately updated.

  • Is your business now operating chiefly out of your home due to the COVID-19 crisis?
  • Has your house undergone major renovations or improvements? If so, your home may be underinsured.
  • Is someone in your household now using their vehicle to deliver products to consumers?
  • Has your marital status changed? If you have recently gotten married, for example, you may now qualify for a multicar discount on your auto insurance.
  • Have you recently purchased new valuables or collectibles? If so, you may be seriously underinsured for these items. Specialty policies or endorsements can properly cover them.
  • Have you been laid off? Or perhaps you are now retired? If so, your auto insurance premium will likely drop since your annual mileage should decrease.
  • Have you added a burglar alarm with central station reporting for your home? If so, you could qualify for a homeowners premium discount.
  • Have you updated major heating, ventilating, and air conditioning systems? If so, you may qualify for additional discounts under your homeowners policy.

At Lawley, our dedicated team of insurance professionals will get to know your personalized needs and provide you with options to make an informed decision. From auto insurance to homeowners insurance, we’re in the business of helping people and protecting what you value and have worked so hard to build.