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Personal Insurance

Changing the game

By September 30, 2020July 11th, 2022No Comments

What games are you favorite? Board games, cards, hide and seek, sports???? When I think of games, I’m immediately transported back to my high school and college basketball, volleyball, and track teams. The sentimental side of me reminisces on long bus rides, Disney karaoke (complete with the opening credits of Lion King sound effects), endless bananas consumed for legs cramps, eating entire pizzas in one sitting and life-long friendships made. The competitive side of me fluctuates between wishing we would’ve made on more free throw, not missing a set point serve, just triple jumping 2 more inches and the incredible elation that comes with winning multiple district and regional championships. Fast forward to another memorable journey of LIFE. Though life is not a game, one of the characteristics that sports and life have in common is the unavoidable element of change.

While the basics pretty much are consistent and constant, it’s important to be flexible and adapt on the fly. Your quarterback gets injured? Let’s hope you’ve groomed an extremely comparable substitute. Free throws not dropping? Tune out the noise of the crowd and adjust your focus. Down to your last ten dollars in Monopoly? Fight to stay alive and pass GO to collect that much needed $200! None of these scenarios change the discipline it takes to play well. The same goes in our everyday lives. The basics remain constant: wake up, work hard, eat something if you remember, interact socially on some level, sleep, and repeat. But what happens when that “routine” gets interrupted? How prepared are you to adapt? Some of us have that “bring it on” attitude while others may have the “deer in the headlights” stare. Either way, it’s important especially in insurance to be aware how changes in your life can impact your policy.

So what kind of changes do you truly need to let your insurance agent know? Here’s a quick list, though not all inclusive.

  1. Refinancing? Refinance rates on homes at this present time in our economy are incredibly low. Let your agent know who your new mortgage is and if it is in escrow.
  2. Marriage, death, divorce, birth of a child. These are especially important on life policies.
  3. Buying or selling a home? It is important to have insurance on your new home and make sure the old one gets cancelled. Make sure there is no lapse in coverage and your coverages won’t be exactly the same.
  4. Your precious 16 year old Emmet gets his license? Get them added to your auto policy. Here’s a hint: start saving for that increase now
  5. Buying or selling a car? Again, let us know!
  6. Remodeling the house? This increases the value of your home so we definitely want to know! This included upgrading floors, roof, bathrooms, kitchen, or adding any other type of structure whether attached or detached.
  7. Bring a little fur bundle of joy? Yup, we need to know that too! Note: some breeds are not supported by your homeowners policy should a bite occur.

How’s that for just a little taste of change? Please know that we are here for you whatever life brings. We want you to feel assured and confident in the coverage your insurance policy brings you. Feel free to contact us if you are just a tad bit more curious! In the meantime, what’s your favorite game?