The questions below will prove helpful in determining a client's needs regarding their auto insurance and home insurance.
AUTOMOBILE INSURANCE
1. Have you considered increasing your deductible to lower your premiums?
2. Are your liability limits adequate to protect your income and assets from a negligent lawsuit?
3. Do you presently insure all of the vehicles in your household?
4. Are all the licensed drivers in your household listed on your automobile policy?
5. If you own a pickup or a van, does it contain any customized equipment?
6. Do you own any camping or recreational vehicles (including electric or gasoline driven golf cart)?
7. Do you have a non-factory installed stereo system?
8. Do you have a vehicle, not your own, furnished for your use?
9. Do you have rental car coverage in the event your car is damaged in an accident?
10. Have you reviewed your auto insurance in the last two years?
11. Would you like to review the current limits and other coverage's on your vehicles to see if they are still suited to your needs?
HOMEOWNERS INSURANCE / RENTERS INSURANCE1
1. Do you own any antiques, fine art, or paintings?
2. Do you own any jewelry, furs, or silverware valued over $500?
3. Do you own any guns?
4. Do you have replacement cost contents coverage added to your policy?
5. Do you presently have either a burglar, fire or smoke alarm in your home?
6. Have you remodeled your home recently? Do you plan to in the near future?
7. Would you like an estimate of your home's replacement cost at today's prices?
8. Do you own a second home or any other real property such as a mountain cabin or farm property?
9. Do you conduct any business or give private lessons in your home?
10. Do you own any rental or investment property?
11. Do you have an Excess Liability (umbrella) policy which extends your automobile and homeowners liability coverage to $1,000,000 or more?
12. Would you like us to send a form to assist you in making an inventory of your personal property?
13. Have you reviewed your homeowners coverage in the last 2 years?
14. Do you currently have a photo inventory of your personal property?
15. Would you like a review of your current homeowners coverage?
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