The 10 Most Common
Automobile Insurance Mistakes

 

1. Your policy deductibles are too low.
2. You have collision on a vehicle that is over 4 years old.
3. You have comprehensive on a vehicle that is over 6 years old.
4. The list of drivers does not include all licensed drivers in the household.
5. You are not getting a multi-policy discount for having your homeowner's policy with the same carrier.
6. Your liability limit is too low for today's claim judgments.
7. Your uninsured/underinsured motorist coverage limit is less than your liability limit.
8. You are not getting a good student or an away at school discount for your youthful operator.
9. The list of vehicles does not include all owned vehicles.
10. You are not getting one of the following discounts:
        ·multi-car
        ·accident free
        ·ABS brake system
        ·anti-theft device
    

The 10 Most Common
Homeowner's Insurance Mistakes

 

1. Your dwelling limit is inadequate to rebuild your home.
2. Your policy does not provide guaranteed replacement cost protection.
3. Your policy deductible is too low.
4. Your policy does not provide replacement cost coverage for your personal property.
5. Your policy does not adequately cover your valuables (jewelry, silverware, furs, etc.)
6. Your policy does not cover business property at home.
7. Your liability limit is too low to provide adequate protection from today's judgments.
8. Your liability coverage excludes your non-profit board membership.
9. Your liability coverage excludes personal injury (libel & slander).
10. Your policy does not provide workers' compensation coverage for domestics.