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Ask
yourself the following about your insurance:
Do I have
the proper home insurance?
A home and
its contents are an investment to protect. It is important that
your home insurance policy be taylored to your specific needs.
Some
factors to consider are:
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Do
I want a lower deductible than my policy on particular items,
for example: glass, jewellery, computers, and musical instruments?
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Do
I have a garage?
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Are
my university students contents covered away from home?
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Have
I done renovations to my property?
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Is
my company aware of any auxiliary heat in my home?
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Am
I insured for replacement cost?
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Do
I want sewer backup?
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Do
I have a satellite dish?
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Do
I have an apartment in my home?
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Do
I run a business in my home or do I own tools I use for business?
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Is
my home unoccupied during the heating season for more than
24 hours?
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Am
I aware that their are special limits for items under the
policy such as jewellery, furs, money, stamp and coin collections,
lawn tractors, boats and motors, bicycles?
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Am
I aware my home policy does not insure snowmobiles, ATV's
or motorcycles? They need their own separate policy.
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Have
I renewed my policy with an agent lately to make sure I am
satisfied with my coverage?
We write
for several different companies which offer a variety of discounts
and payment plans. You are a valued customer and if you have
any questions, please contact any
of our agents here at Amherst Insurance Agencies Ltd.
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Do
I have the proper automobile insurance?
By law, to
be driven, a vehicle has to be insured for public liability and
property damage (P.L. & P.D.), accident benefits and the uninsured
motorist. However, there are additional coverages that can be
added to the above to taylor a policy to your specific needs.
Some factors
to consider are:
- Do I want
my vehicle paid for if I am at fault for an accident?
- Do I want
to be insured against fire, theft, vandalism and flying objects?
- Do I want
a rental vehicle if I make a claim on my policy?
- Do I have
waiver of depreciation on my new vehicle?
- Do I carry
paying passengers?
- Do I want
my family's injuries insured if we are in an accident with someone
with who doesn't have enough insurance?
- Do I want
the insurance paid on a rental vehicle if I go on a trip?
- Who drives
the vehicle?
- Is the
vehicle driven to and from work?
- Do I drive
government owned vehicles?
We write for
several different companies which offer a variety of discounts
and payment plans. You are a valued customer and if you have any
questions, please contact any of our
agents here at Amherst Insurance Agencies Ltd.
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