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Homeowners Insurance Check-up

We're happy to provide you with a free, totally no-obligation check-up of your current insurance policies.

If you answer "Yes" to any of the questions below, we may be able to improve your coverage and save you money in the process.

Yes  No      
Does any of the information on your Declarations page need updating? Name and address? Names and addresses of mortgage companies? Coverage limits and deductibles? Endorsements and personal property schedules?

Yes  No    
 Is your home insured for less than its full replacement cost? Your Commerce Agent can assist you in preparing an accurate estimate of the replacement cost of your home.

Yes  No      
Have you made any additions or improvements to your home that are not reflected in your policy? Again, your Commerce Agent can assist you with an accurate estimate of any increased value.

Yes  No     
Are there any other structures on your property (garages, sheds, work shops, etc.) which may not be fully covered by your existing policy? Additional coverage on these types of structures can be added for a small additional premium.

Yes  No     
Do you need earthquake insurance? Your homeowners insurance probably does not cover damage caused by earthquakes.

Yes  No     
Do you need flood insurance? Your homeowners insurance does not cover flood damage.

Yes  No    
Do you own any rental properties, farm properties, and/or vacation homes? These are not covered by the insurance on your primary residence.

Yes   No     
Do you have a smoke alarm or burglar alarm in your home? Discounts are available for homes with alarm systems.

Yes   No 
Is your home 15 years of age or newer? Discounts are available for newer homes.

Yes  No     
Do you own a watercraft, including trailers, outboard motors, equipment, etc.? A standard homeowners policy provides only limited coverage. To adequately cover these items they should be insured separately.

Yes  No     
Do you own any computer equipment that you use at home? The cost of replacing your personal computer equipment may be beyond the limits of your present coverage if it is used for business. Separate coverage is available.

Yes  No       
Do you conduct any business out of your home? You may need additional liability protection if business is conducted in your home.

Yes  No     
Do you need to take an inventory of your household contents? If you have a loss it may be difficult to remember individual items and prove their value without some record.

Yes  No     
Do you need replacement cost coverage on your personal property? Most policies provide Actual Cash Value coverage for your personal property which means that you will be reimbursed for the cost of an item, less depreciation and less your deductible. For example, an item purchased for $500 three years ago may only be worth $300 today. If you had a $250 deductible policy and that item was destroyed or stolen, you would be reimbursed only $50. With Replacement Cost coverage the item would be replaced at today's price minus only your deductible.

Yes  No     
Do you need more coverage for your unscheduled personal property (clothing, furniture, household goods, etc.)? Most policies provide personal property coverage as a percentage of the amount of coverage on your residence (usually 50% to 70%). Even with replacement cost coverage, if you were to have a total loss you would only be reimbursed to the limits of your policy. Higher coverage limits are available.

Yes  No     
Do you have any valuables that may not be adequately covered by your homeowners insurance? Most homeowners policies provide only limited protection (usually $500 to $1,000) for theft of valuable personal property such as jewelry, furs, fine arts, silverware, etc. You can increase your personal property coverage on such items in total or cover your valuables individually by adding a scheduled personal property endorsement to your policy.

Yes  No     
Should you consider a higher deductible? A higher deductible could decrease your premium.

Yes  No     
Do you need additional liability protection beyond the coverage limits of your existing policies? Personal umbrella liability policies can be purchased to protect you for up to an additional $3 million in case of a major lawsuit.

If you answered "Yes" to any of the questions above, we may be able to improve your coverage or save you some money...or both. Simply provide the information requested below and we will contact you.

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