Checklist for Auto and Homeowners
Read through this checklist to give yourself a sense of what insurable interests you might have that are currently uncovered. It is important to be aware of your potential for financial loss. Make note and contact us if you have questions about what policies you could use to be better protected.
- Do you have collectibles such as antiques, fine art, stamps, coins, or baseball cards?
- Do you own valuable jewelry or furs?
- Do you own costly sporting equipment or firearms?
- Do you have valuable cameras or other photography equipment?
- Do you have any alarms installed in your home?
- Do you keep more than $100 cash in your home?
- Are your personal belongings insured for their full replacement value?
- Do you have children away at college? If so, are their possessions insured?
- Do you own tools, equipment, or instruments used in your trade or profession?
- Do you operate an office or studio in your home?
- Do clients come into your home to make purchases?
- Do you baby-sit in your home?
- Do you have a dog, cat, or other pet that may pose a risk to others?
- Have you recently remodeled or redecorated your home? Do you have plans to do so?
- If your home suffered an entire loss, would your insurance cover your home's full replacement value?
- Are you interested in flood insurance for your home and personal property?
- Are you interested in earthquake coverage?
- Do you use a wood-burning stove?
- Do you have a swimming pool?
- Do you own rental or investment property?
- Do you own a vacation home (i.e. condo, cabin, or trailer)?
- If you rent, do you carry renters insurance?
- If you own a condo, do you have condo insurance?
- Do you plan to purchase a new vehicle this year? If so, would you like us to provide you with an insurance estimate on the vehicle you are considering?
- Does our agency insure all your vehicles?
- Does your automobile policy specify by name all of the drivers in your household?
- Do you routinely use vehicles you do not own?
- Do you have CD's, cassette tapes, or non-factory installed equipment (car phones, stereos, CD players, etc.) in your car? If so, would you like a quote on insuring these possessions?
- Do you own a vehicle with custom furnishings or equipment (i.e., a conversion van)?
- If your vehicle were damaged in an accident, would your current automobile insurance reimburse you for a rental vehicle while yours is being repaired?
- Do you own any of the following recreational vehicles?
-Boat
-Motor Home
-Snowmobile
-All-Terrain Vehicle
-Motorcycle or Moped
-Camper
-Golf Cart - Do you carry at least a one-million-dollar umbrella liability policy?
- Do you own a business? If so, do we currently insure it?
- Do you plan to start a business?
- Do you know anyone else who could benefit from a no-obligation insurance review from our agency?
Disclaimer:
Not all exposures or insurance coverages available are listed in this check list. Please contact your local PAI agent for complete review of your available options.
The Unexpected
We want to make sure you are covered for the unexpected ... but not over-insured. This is another benefit to having one agency that can cover all your valuables. No overlapping policies and expenses.
We've been here for over 100-years and have the expertise to handle you unique insurance needs.