Insurance Tips

Insurance Tips

You keep your car filled up with gas so you don’t get stranded on the side of the road. And, your phone is charged so your loved ones can reach you. But, what kind of safety measures do you have in place for more extreme scenarios?

What if you lost everything you owned in a fire at your house or your apartment? What if your car were stolen? These situations are scary, but your insurance can help you through them, and much more, so long as you have the right coverage in place.

So, what’s right for you? Whether you’re starting out on your own or starting a family, these tips can help you begin to understand the level of insurance you may need.

Consider What You Own – And What It’s All Worth
Could you imagine having to replace all of your personal belongings at once? What about having to do so from memory and on your own dime? It would be both a difficult and a costly task. So, make an inventory of your belongings and their value to minimize the former – the free Safeco Home Inventory app can help. And, be sure you have enough insurance coverage, whether you rent or own a home, to minimize the latter. It’s known as “personal property coverage,” and you want enough of it to replace all of your belongings if it were to come to that.

Take Your Lifestyle into Account
Drive an expensive car? Repairs are more costly, so be sure to carry full coverage. Own a home with a lot of custom features? Be sure your homeowner’s policy has a list of everything. The way you live can help you save, too. For example, if you take public transportation to and from work even though you own a car, you may pay less for your insurance.

Talk to Us for Choice and Advice
As an independent agency, we offer a choice of carriers and options, plus personalized advice to help make sense of it all. And, we make it easy by doing the research and the shopping around for you. We will never charge a brokers fee. We know you value that!

Remember, we’re here to help. Contact us at 800.426.1088 or visit www.apolloinsuranceservices.com today with your insurance questions and needs.

Insurance products offered through Apollo Insurance Services, Inc., California Insurance License # 0394033 Insurance products 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the credit union or any affiliated entities; Insurance products not available in all states.

 

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