Personal Insurance Blog

Growing up as a kid, I never had to concern myself with insurance. My parents provided me with all the protection I needed:  a roof over my head, warm food, dry clothes, and a ride to school.  There was no need to worry about how much insurance coverage my Mom & Dad had on the house and car, or how much money the insurance company would give to us if the house ever caught on fire or the car was involved in an accident. Ahh, the good old days.

As an adult, I have many finances that I need to pay close attention to in order to survive on my own.  One of the more important, yet unremarkable finances, is my insurance.  It is required to drive my car and it was required to purchase my house.  Those are two key components of my everyday life.

Isn't it all the same?

Most people assume insurance is the same for everybody, just pay the bill every month and it will protect your house and car.  Unfortunately, that is incorrect.  There are many variations of insurance.  But to keep it simple, consider two main parts: coverage amounts and premium.

Take out your current home or auto policy and take a look at your coverage amounts.  Do they seem too small or too large?  Do they even make sense?  These numbers directly affect the amount you pay for insurance through the year.   One of the things a professional agent brings to the table is a sense of what appropriate limits are, and what needs to have insurance in the first place.

How can I find out it my insurance fits?

To help determine whether your insurance fits you, it really is prudent to speak to your insurance professional.   Our lives are not “one size fits all.”   We are all unique.  Shouldn’t an insurance program reflect that?

With good information, your insurance agent can make sure that you are properly covered and that you are also paying the best price for that coverage.  If you have the proper coverage, you never have to worry about insurance; you can rest assured that if anything happens to your home or vehicle, your insurance will provide you the means to replace them.  It’s sleep-at-night coverage.  On the other hand, if you do not have the proper insurance to match your needs, you are at risk financially, and threatening the rest of your finances and assets every day.

Can I check my insurance myself?

For those who prefer the self-serve approach, we have prepared checklists for the most common areas where custom changes make sense. For a self-serve check-up on your insurance, visit our checklist page, or give Gordon Insurance a call at 800-649-3252. If you’re not convinced you’re getting the best value for your dollar, let us help you with a free quote.

Learn more about your personal insurance options here.