Here are a few protection gaps worth a quick check. Because what matters most deserves coverage that actually fits your life-insurance isn’t one-size-fits-all.

Home

When’s the last time you reviewed your home insurance? Coverage can get outdated as your home and costs change.

Do you have the right “add-ons” (endorsements)? These are optional upgrades that can fill common gaps in a standard policy.

Some cosmetic damage may not be covered. For example, dents or marks to things like windows, doors, gutters, or siding from hail/wind may be limited or excluded depending on your policy.

Have you updated your roof? If your roof’s age is newer, there are savings on premiums! If older, understand the replacement cost schedule as it could possibly receive less payout in a claim.

Umbrella

An Umbrella Policy can provide added liability protection, for a variety of lifestyle situations! For example:

Have a youthful driver
Coach a kids’ sports team
Volunteer
Travel abroad
Host groups of people
Own a pool

Auto

If you drive for a delivery or rideshare service (Uber, Lyft, DoorDash), additional coverage may be required.

Have you increased your deductibles to see savings? Higher deductibles mean lower premiums.

Life

Do you own anything outside of work? Most work policies don’t come with you if you make a career change!

As life changes, so does your insurance need. Do you have enough coverage?

Farm

Do you have land leased to others? Hunting land?

When was the last time you reviewed your equipment and inventory?

Are you transporting livestock?

Business

If you have employees, do they use their own car to do work-related tasks?

Does your policy cover if your business is hacked online?

A quick home checklist to help you head into warmer weather:

Service your A/C unit so it’s ready before the first hot day.

Clean out your gutters to help water drain away from your home.

Test your sump pump and replace/upgrade it if it’s not working right.

Change batteries in your smoke and carbon monoxide detectors.

Replace your furnace filter for better airflow and cleaner air.

Put the snowblower away, clean it up and prep for storage, and get the lawnmower ready for the season.

About DJ Colter

As an Agency Owner with Captive and Independent Avenues: The DJ Colter Agency TRULY has the best of both worlds! This unique advantage sets them apart as a leader in the Insurance Industry.

Let’s WIN Together!

State Licenses: AZ, CA, CO, IL, IN, IA, KS, KY, MN, МО,
MT, NE, NC, ND, OH, OK, OR, SD, TX, WA, WI

DJ Colter Agency Inc.

4215 31st Ave S Ste B, Fargo
701-235-6641
[email protected]
Instagram | @djcolteragency
Linkedin | /djcolter