Insurance is one of those things most people never want to think about—until suddenly it’s nearly all that matters.
Morgann Dehn of John Avery State Farm insurance helped get ahead of this today, starting her presentation with an important question your home insurance agent SHOULD be asking:
“What is your home’s appraised value?”
…and rolling into a great open discussion with the group from there:
It may sound basic, but homeowners are generally only legally bound to carry coverage for what they owe, so the simpler question, “How much do you need?”—or purely responding to a client’s quote request—may not yield the best coverage result, despite looking like a lower house premium.
Additionally, your agent should be interested in your income, assets, and sources of income—for the purpose of appropriately covering you for general liabilities with an umbrella plan. Without the right coverage, a life’s efforts and savings can go away with the snap of a dog bite; and it’s very important for your family to be protected against these risks.
If your agent isn’t confirming this information with you on an annual basis, contact Morgann for a highly-educational free consultation and quote today!
If you’re interested in joining like-minded business professionals, and networking with individuals like Morgann, check out our business networking group at border2border.biz/join. We always welcome visitors and new members, and look forward to connecting with you soon!