Personal Insurance Checkup

Please complete only the sections of the form below that are applicable to you (i.e. auto and home, auto and condo, etc.) and click "Submit" when finished with each section.  Please skip any sections that do not apply to you (i.e. skip condo insurance if you do not own a condo).  Your responses will be sent directly to us for review so that we can help determine whether updates to your insurance are advisable.  Thanks for helping us keep your insurance up to date!

Auto Insurance

Home Insurance

Condo Insurance

Renters Insurance

Auto Insurance

If you have an auto insurance policy, please answer the questions below and then click Submit.  If you do not have an auto insurance policy, please skip this section.  Note that "you" includes your spouse (if applicable) and "family" means you and anyone in your household (or away at college) that is related to you.

 
Name *
Name
Are all of the items (vehicles, motorcycles, trailers, etc.) listed on your auto policy titled or leased to you? *
Are you titled on any other vehicles or trailers? *
For example, is your name on the title to a parent's or child's vehicle that is insured separately?
Does anyone in your family regularly drive any vehicles NOT listed on your auto policy? *
Are all of the drivers in your household listed on your auto policy? *
This INCLUDES drivers that own their vehicle and have it insured separately.
Are any of the drivers listed on your policy living away from your home? *
With the exception of a child away at school, someone's primary residence is generally considered to be where they live the majority of the time, while also considering factors such as the address used on legal documents (driver's license, tax forms, etc.), property tax records, lease agreements, etc.
Does anyone in your family have a vehicle provided by an employer? *
Are any of the vehicles on your policy used for Uber, Lyft, Shipt, food delivery, or similar activities? *
Is any item listed on your auto policy primarily kept somewhere OTHER THAN your home address? *
Do any of the vehicles or motorcycles listed on your auto policy have custom or aftermarket equipment? *
Does everyone in your family have health insurance that provides coverage for injuries sustained in an auto accident? *
Note that Medicare, Medicaid, and certain employer-sponsored health insurance plans do not provide coverage for auto-related injuries.
If anyone in your family earns more than $75,000 per year, are they interested in increasing their Wage Loss benefit? *
Wage Loss coverage pays 85% of lost wages, capped at about $65,000, as a result of a car accident. Increasing this coverage is available for an additional charge.
Is it time to review your liability coverage limits? *
We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).
Is it time to consider adjusting your comprehensive and/or collision deductibles or removing these coverages altogether? *

home INSURANCE

If you have a home insurance policy, please answer the questions below and then click Submit.  If you do not have a home insurance policy, please skip this section.  Note that "you" includes your spouse (if applicable) and "family" means you and anyone in your household (or away at college) that is related to you.

 
 
Name *
Name
Do you own any of the following types of property worth more than $1,000? *
Home insurance policies include coverage limitations on certain classes of property, including the ones listed below. Please check all classes of property where your ownership exceeds $1,000 in value for any one piece or in aggregate.
Do you own any rare, unique, or unusually expensive property not listed above? *
Is your home deeded directly to you? *
Is your home held in a trust? *
Is your home used as your primary residence? *
Is your name on the deed or title to (or do you lease) any home, vacant land, farm land, cabin, trailer lot, boat slip, etc. that is NOT listed on your home insurance policy? *
A home insurance policy can generally be endorsed to extend liability coverage to these types of locations in order to protect you in a lawsuit arising out of your ownership or lease of the location.
Do you rent any part of your home to others? *
Does anyone live in your home that is NOT related to you? *
Do you have any children away at college? *
Is your home part of a neighborhood or condominium association? *
Do you operate a business out of your home? *
Do you own any of the following motorized vehicles? *
A home insurance policy can be endorsed to provide coverage for most types of motorized vehicles that are NOT licensed for use on the road.
Have you made any investments or improvements in your home that would increase the cost of rebuilding? *
Have you updated your roof in the past three years? *
Is your basement finished or do you store property in the basement? *
Do you employ any household or personal staff more than 30 hours per week? *
Are you interested in earthquake insurance? *
Are you interested in flood insurance? *
Are you interested in Identity Theft Expense coverage? *
Are you interested in Service Line Coverage? *
Service Line Coverage provides funds for the repair or replacement of underground service lines (water, gas, power, etc.) running from the public utility or a well or septic tank to your home. Damage caused by collapse, corrosion, rust, and tree roots is generally covered.
Is it time to review your liability coverage limit? *
We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).
Is it time to review your deductible? *
A higher deductible results in a lower premium, sometimes reducing insurance costs significantly.
Would you like to discuss any of the following? *
 

CONDO INSURANCE

If you have a condo insurance policy, please answer the questions below and then click Submit.  If you do not have a condo insurance policy please skip this section.  Note that "you" includes your spouse (if applicable) and "family" means you and anyone in your household (or away at college) that is related to you.

 
Name *
Name
Do you own any of the following types of property worth more than $1,000? *
Condo insurance policies include coverage limitations on certain classes of property, including the ones listed below. Please check all classes of property where your ownership exceeds $1,000 in value for any one piece or in aggregate.
Do you own any rare, unique, or unusually expensive property not listed above? *
Is your condo deeded directly to you? *
Is your condo held in a trust? *
Is your condo used as your primary residence? *
Is your name on the deed or title to (or do you lease) any home, vacant land, farm land, cabin, trailer lot, boat slip, etc. that is NOT listed on your home insurance policy? *
A condo insurance policy can generally be endorsed to extend liability coverage to these types of locations in order to protect you in a lawsuit arising out of your ownership or lease of the location.
Do you rent any part of your condo to others? *
Does anyone live in your condo that is NOT related to you? *
Do you have any children away at school? *
Is your condo part of a condominium association? *
Do you operate a business out of your condo? *
Do you own any of the following motorized vehicles? *
A condo insurance policy can generally be endorsed to provide coverage for most types of motorized vehicles that are NOT licensed for use on the road.
Have you made any investments or improvements in your condo that would increase the cost of rebuilding? *
Have you checked the condo association bylaws recently to confirm what interior building items (such as interior walls, floor coverings, wall coverings, cabinetry, built-in appliances, etc.) you are responsible for insuring? *
If your condo has a basement, is the basement finished or do you store property in the basement? *
Do you employ any household or personal staff more than 30 hours per week? *
Are you interested in earthquake insurance? *
Are you interested in flood insurance? *
Are you interested in Identity Theft Expense coverage? *
Is it time to review your liability coverage limit? *
We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).
Is it time to review your deductible? *
A higher deductible results in a lower premium, sometimes reducing insurance costs significantly.
Would you like to discuss any of the following? *
 

renters INSURANCE

If you have a renters insurance policy, please answer the questions below and then click Submit.  If you do not have a renters insurance policy please skip this section.  Note that "you" includes your spouse (if applicable) and "family" means you and anyone in your household (or away at college) that is related to you.

 
Name *
Name
Do you own any of the following types of property worth more than $1,000? *
Renter's insurance policies include coverage limitations on certain classes of property, including the ones listed below. Please check all classes of property where your ownership exceeds $1,000 in value for any one piece or in aggregate.
Do you own any rare, unique, or unusually expensive property not listed above? *
Is your name on the deed or title to (or do you lease) any home, vacant land, farm land, cabin, trailer lot, boat slip, etc. that is NOT listed on your renter's insurance policy? *
Do you operate a business out of your rented space? *
Do you have any children away at school? *
Do you own any of the following motorized vehicles? *
A renter's insurance policy can generally be endorsed to provide coverage for most types of motorized vehicles NOT licensed for use on the road.
Do you store property in the basement of your rented space? *
Do you employ any household or personal staff more than 30 hours per week? *
Are you interested in Identity Theft Expense coverage? *
Is it time to review your liability coverage limit? *
We recommend having at least enough liability coverage to protect your net assets plus your expected future earnings (and no less than $500,000 REGARDLESS of your assets and earnings potential).
Is it time to review your deductible? *
A higher deductible results in a lower premium, sometimes reducing insurance costs significantly.
Would you like to discuss any of the following? *