Monday, December 29, 2014

Review Your Insurance for the New Year

With the start of 2015 comes New Year's resolutions. Maybe you want to eat healthier, exercise more or save more money this year. One thing you may not be thinking about is your Lake of the Ozarks insurance coverage. It is important to take a look at your personal insurance policy at least once a year to make sure that you're covered for anything that may come up throughout the year. Here are some things to think about in regards to your insurance.

Homeowner's Insurance

Do you have adequate coverage on your home and personal property? Reflect on the past year and determine if you've made any major home purchases or anything else that might create a hole in your coverage. Some common issues found when looking over a homeowner's current policy include: rebuild costs are underestimated, co-insurance is inadequate, personal property is undervalued and personal effects are not inventoried and/or not covered.

Did you receive any expensive jewelry for Christmas this year? Jewelry, paintings, furs and other collectibles may not be covered adequately on your basic homeowner's insurance policy. At Insure the Lake, we will review your current policy and give you a household inventory to make sure you don't underestimate your possessions.

Car Insurance 

How much are you paying for your car insurance at the Lake of the Ozarks? Do you have full coverage or just liability insurance? At Insure the Lake, we'll take a look at your existing policy and help determine if you have the right coverage at the right cost! There's a possibility you could get a discount for being a good driver, being a good student or driving a safe car. Other advantage you could be missing out on might be free windshield repair, 24-hour claims hotline, guarantee on repairs or flexible payment options.

Health Insurance

The health care reform has had a massive impact on the health care system in the United States. If you haven't taken a look at your Lake of the Ozarks health insurance coverage since the changes took effect, now is the time to do so. Open enrollment for 2015 has already started and will run through February 15, 2015. For information on the Affordable Care Act, check out our Health Insurance Enrollment FAQs blog. Insure the Lake can help you manage and analyze your existing medical benefits and future needs. We will perform a comparative analysis of your existing coverage to see if any adjustments can be made to better fit your individual or family coverage needs.

Life Insurance

Life insurance is an important part of everyone's overall protection plan. The first rule of life insurance is that it's not for you, it's for your loved ones. Should something untimely and unexpected happen to you, your family won't have the financial burden on top of everything else going on. Your Lake of the Ozarks insurance company can help you figure out how much coverage your family needs in order to maintain your current lifestyle. Then we'll search out the best coverage and pricing options to keep your family safeguarded.

Life happens and Insure the Lake is here to make sure you live protected! We specialize in all types of insurance policies from personal coverage to business insurance. If you own your own business, now is a great time to take a look at your Lake of the Ozarks business insurance coverage as well. Contact us at 573-348-2794 to schedule your appointment to take a look at your coverage as we head into the new year!

Steve Naught, CIC

3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191