Annual Insurance Review: Who knew?

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Your annual insurance review.

Hey, we know reviewing your insurance isn’t the most fun way to spend an afternoon, but it beats cleaning out the garage. Here are some tips to get you started.

First, make sure you’ve got updated contact information for your insurance agent, and that they’ve got your current information if you’ve moved or changed phone numbers in the past year. Here are more suggestions to help you get the most from your insurance policies.

Health Policies

Do you know the closest emergency room in your health plan’s provider network? Knowing this in advance can help you avoid surprise bills after an emergency.
Do your New Year’s resolutions include losing weight or giving up smoking? Check to see if your health plan covers programs that will help you meet your goals. Many plans cover smoking cessation help, include wellness programs, or offer discounts for weight loss programs or gym memberships.

Home and auto policies

Are you paying for collision and comprehensive coverage on an older car? If you’re in an accident, most policies will pay up to what your car is worth, minus your deductible. You may want to evaluate the car’s value against what you’re paying for that coverage to decide if it still makes financial sense.
Is the value of your home different due to renovations or rising property values in your neighborhood? If so, check to make sure you still have enough coverage to rebuild in case of a fire or disaster.
Do you need flood coverage? Homeowners policies don’t cover damage from flooding so it’s a good idea to periodically review your need for flood coverage.
Do you know what discounts your insurance company offers? Plans often add new discounts so looking over your insurance company’s list every year could help you save money.

Life Insurance Policy

Has your income or family situation changed? Did you buy a home or take on new debt? Review your life insurance coverage annually to make sure it will still meet the needs of your family.
Are your beneficiaries up to date? Contact your life insurance company to confirm that your beneficiary designations and their contact information is current.
Do loved ones know about your life insurance policy or annuity contract, will, health directives, and any end-of-life wishes you have? This can be a difficult discussion, but it may be easier when it is part of your annual insurance review.

Testimonials

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"I work as a lender and my staff sees a lot of homeowners insurance policies. When my personal homeowners policy went through the system from the purchase of my home, my staff said its the lowest premium they had ever seen. Not to mention they got it within minutes.. Highly recommend Jared at Hill Insurance."
Clair Semrad

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"I love it that every time we come in Jared makes the insurance process so much easier than it would be on our own! He explains everything so clearly and helps us save money! Totally recommend anyone that has any insurance needs to come see him, he's awesome!"
Denise Rivera

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"Jared is awesome and super easy to work with I recommend hill insurance to everyone. Insurance is a nightmare but he makes it easy."
Jared Obrien

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"I've been working with Jared Richards for close to 15 years that should say enough... They have been outstanding to work with. Anytime I have any questions they're always there to answer for me I will continue to use them for a long time if I can give them a 10 star rating I would."
Jared Clingo

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"I want to compliment Cory at Hill Insurance, on my meeting with her on March 1st. She was extremely helpful and patient with all my questions. It was very obvious she wanted to give us the best rates/discounts possible, plus she made sure I understood everything. A JOB WELL DONE! A 10 star employee! Great place to shop home and auto insurance as well as any and all commercial needs!"
Chelsea Ricks

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"Jared takes the time to listen to his clients and watch out for their best interest. I've seen him help his clients really make an educated choice about what insurance plan they need and then walking them through the process when they experience damages. A super straight agency."
Steve P.

Get Customized Insurance

Insurance can be complicated. Have one of our experts to help you. If business hours (9:00 am to 5:00 pm, Monday to Friday), call us to our office phone number (801) 226-0606 and talk to an insurance expert. For after hours, please fill the form and we will contact you as soon as possible.