Spring-Clean Your Home Insurance Policy:
Spring-Clean your homeowners insurance policy.
Reviewing your homeowners insurance policy each year can ensure the protections you're paying for remain relevant to you, especially as your needs and lifestyle change over time. You'll have to renew your policy each year anyway – so, it’s important to do so mindfully.
Doing so could help you answer questions like these:
If we upgrade our home security system, how much could it save us on our homeowners insurance?
We bought new living room furniture, and it’s comparable to what we had before (maybe a little nicer). Do we really need to update our insurance because of this?
What about the diamond earrings I bought my wife over the holidays? How much will it cost to insure those?
What’s Changed in the Past Year?
Make a list of what’s new or different since your last policy renewal. It should include changes surrounding:
·Your home – This includes any upgrades, additions, or renovations, no matter how big or small. It could be redoing a kitchen or bathroom, expanding a deck, or replacing worn doors and windows. Failing to account for these at renewal can lead to you being underinsured, which could cost you tens of thousands of dollars – or more – when the unexpected strikes. Or you may miss out on a benefit: changes made to bolster the resilience of your roof and windows, or to update your plumbing/electrical systems may make you eligible for a reduced costs!
Your belongings – Have you added or gotten rid of any big-ticket items? This includes the usual suspects (jewelry, electronics, art) as well as those valuables often overlooked (designer clothing, collectibles, antiques).
Your lifestyle – Do you have a home-based business or are you renting out a portion of your home? Are you in the process of a life-changing event, such as marriage, divorce, new baby, or children moving in or out of the home? All can impact your policy.
Your risk of being sued – Are you hosting more at-home parties or get-togethers? Do you have a pool, trampoline, or other circumstance increasing the risk others might be injured on your property? Increasing your personal liability limits can protect your assets in the event you’re sued.
Your homeowners insurance options are ever-changing. And it’s a good thing, too, because what we own is constantly changing as well. By taking the time to review your home and personal property needs each year with your local insurance agent (me) you’ll be in the right position when the unexpected happens.
Let us help you protect you and your loved ones with a "gift of life" policy. Choosing the right life insurance policy requires careful consideration of your financial obligations, needs, and goals. The decision to purchase life insurance is a personal one and you've come to the right place. We can help you understand your options and choose the right one that fits your individual needs.
Welcome and thanks for stopping by good neighbor!
My name is Jason Claybrook and my team and I represent Midlothian/Moseley, Chesterfield, Bon Air, Richmond, Powhatan and surrounding counties for your State Farm insurance and financial needs.
Our team is here to ensure our customers know how to make insurance work to protect your most valued assets. You belong here. We want to solve the biggest problem with choosing insurance - everyone is guessing what they need when they Google "insurance agent near me", "state farm close to me" or search online for car or home insurance quotes. It's our job to empower you with knowledge so you can make the most informed insurance and risk management decisions for you and your family. It means our office puts your needs first.
The most important part of being your State Farm agent and office of choice is making a difference in your life and helping to strengthen our local community. We love to sponsor and participate in local events and give back to the community. I am a second generation State Farm agent and former claim rep. I am a long-time resident of Midlothian and proud VCU alumni (Go Rams!). Our office is honored to serve Midlothian/Moseley and the surrounding Chesterfield County.
Do you or someone you know own a small business that needs help with talking through small business insurance? We would love to help you as we are a small business owner too! We will also work with you and your family to put a Personal Price Plan in place to protect you and your loved ones. We can protect your Auto, Home, Business, Farm, UTV/ATV, Motorcycle, Boat, and most importantly your Family! We make it simple and easy. Contact us today for a quote! Jason Claybrook - State Farm, your Midlothian choice for insurance.
If you’re looking for a State Farm insurance team with passion, enthusiasm and deep understanding, you’ve come to the right place. Call our friendly office today for a free quote.
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