The most popular resolutions normally focus on healthier changes. Keeping a New Year’s resolution is one of the hardest things to do. Adding to this that life, unfortunately, doesn’t always go as planned. Insurance is a safety net just in case things don’t go the way you planned. Here are 7 resolutions for the new year to help reduce your Florida insurance rates in 2019:
1. Improve your credit
Having bad credit may impact you more than you may think. It is more likely for you to be considered a high risk the lower your credit score is. Look into different ways to improve your credit in order to receive better insurance rates.
2. Find gaps in your insurance plans
Got a new car over the holidays? Maybe this year your teen will start driving? Buying or renting a new home? Call your insurance provider to see what exactly you have covered. Our Tampa, FL insurance agents will go through your coverage plan(s) to make sure you have the necessary coverage. Make sure to mention these things to your insurance agent to proactively see what plans might be best for you.
3. Take a home inventory
Did you and your significant other exchange jewelry, watches, or cufflinks for your anniversary or the holidays? The value of the jewelry in your home can sneak up on you over the years, and most insurance policies have a limit on how much they will pay for jewelry. Adding additional coverage is simple and relatively inexpensive, so make sure you know your jewelry limits and know how much your existing jewelry is worth. A comprehensive home inventory allows your home belongings to be rebuilt, recovered or replaced. You will be able to include that anniversary gift with your protection. Contact us to find out how much coverage your current policy offers or you can increase your limits.
4. Update your life insurance
Life insurance can be a critical step in helping to secure your financial future. Have your needs changed or did assets increase in 2018? Have you stopped smoking or lost weight? If you have family or assets to protect, life insurance will ensure that finances will not be a problem for your family if something were to happen to you. This can be critical for a family that loses half its income. Most importantly, life insurance is normally affordable. Give Seibert Insurance a call and we can help you with this.
5. Secure your home
Add cameras throughout your home for extra security. You will be able to watch your house 24/7 from your phone. There are many smart-home setups on the market which include surveillance and supported smartphone apps, which make it easier to know what is going on throughout your property at all times. Also, in case of theft, you will be able to see who comes in and out of your home. These are beneficial in cases of theft, for instance, when a package that has been ordered online, is delivered to your doorstep and has been stolen.
6. Prepare Car Emergency Bags
For when natural disasters strike, make sure every vehicle in your household has an emergency kit in it. One should include jumper cables, flares, emergency blankets, a first kit, and other useful items. If your children have a car, make sure their vehicle has one as well. Since you’re leaving something of value in your car, make sure to keep it hidden or put it in your trunk. And don’t forget to lock your doors to help prevent auto thefts! Planning ahead and being prepared is one of the best things you can do for your family.
7. Update/Maintain plumbing
Make sure that all of your plumbing is updated or maintained to avoid a potential flooding. If you are unsure of the condition of the plumbing in your home, or even if you haven’t had an inspection done in a while, have a plumber come out and assess your home. One of the most frequent reasons a home floods is because the homeowner has rubber supply lines – make a new years resolution to replace all supply lines with steel braided lines. It is an inexpensive way to avoid a small disaster at your home!
So looking into the new year, think about the changes you want to make and take small steps towards changing those habits. Making some changes with these resolutions can help give you peace of mind. They may have a big impact on your insurance rates in the new year.
About Seibert Insurance Agency
Since 1971, Seibert Insurance Agency has been a full-service, one-stop agency representing more than 100 top insurance companies, has been servicing the Tampa Bay area’s insurance needs. Seibert Insurance has deep roots in the community, helping almost 7,000 individuals and families and more than 500 businesses. Contact our Tampa insurance agents today for a hassle-free quote to help your new year go right!