Make a resolution to get all your insurance polices in order!

It’s the start of a new year! With new beginnings come an opportunity to review and renew your insurance policies for 2016. Chances are your life has changed a bit over that last year. It’s important to review your insurance policies to make sure you’re covered in the New Year. Consult with your insurance agent and see what your policies cover and how they suit your lifestyle. Decide what coverage you need and renew your policies today! Here’s how you should evaluate your insurance policies.

Homeowners Insurance

Many policies vary as to what they cover. See if your policy provides enough coverage to rebuild your home. Surprisingly, many policies are outdated since construction costs change annually and any remodeling that you’ve done in the past year may have changed the value of your home. Update your policy or see if you need to purchase additional coverage.

Be aware that homeowners insurance doesn’t always cover personal belongings and natural disasters such as floods and fires. Discuss supplemental coverage with your insurance agent.

Life Insurance

If you’ve had any major changes in the past year such as a new job, gotten married, or decided to retire, it’s a good idea to review your life insurance policy to see what best fits your needs. There are different types of premiums and payment plans for life insurance. Review what benefits are offered by each policy and how the payment plans suit your current needs.

Health Insurance

After the implementation of the Affordable Care Act, all American citizens have been required to purchase health insurance. The Affordable Care Act’s open enrollment ends January 31, 2016. Make sure you have the right coverage that suits your needs. A lower monthly premium may seem attractive, but you may be paying higher copays and prescription costs.

Review and renew your policies with Randy Jones Insurance Services. Located in Pleasanton, California, our independent insurance agents are able to help you find the right insurance for your lifestyle. Contact us for more information.