Deadlines for midterm papers, half a day’s worth of texts to return, practices to drive the kids to, dinner to make, doctors appointments to schedule…I get it – no matter what stage of life we are in, we are all extremely busy. Understandably, you may be looking for shortcuts in order to accomplish all you have in front of you. When your list includes talking about an insurance policy, I want you to know the benefits of not taking the quickest way to accomplish this task.
People ask me all the time why I need to know so much about them and are surprised at why I ask them personal questions. It is not because I am trying to snoop or intrude, rather it is so I can guarantee that I am providing you exactly what you need and not necessarily what you think you want. Insurance is a legal contract. WHO is covered and WHAT is covered is defined in the contract. If your new policy from start to finish can be wrapped up in a 10-minute 1-800 phone call or online message chat, just think about the information that could have been missed.
Minimum requirement is just that – minimum. Look around at your home and your belongings, do you think they fall under the category of minimum? Are you an amateur chef at home that has a small fortune wrapped up in your kitchen knives? Do you dabble in carpentry in your spare time – turning piles of wood into beautiful hand-crafted furniture? So, when you are required by the bank or your landlord to cover your new place do you only want to meet the minimum requirement, or do you want enough coverage to replace what you have?
That covers the WHAT – now about the WHO. Let’s talk injuries. Dog bites, slip and fall and intoxicated guests. Some of these things can be controlled – train your dog, clear your sidewalk and driveway and call Uber for your guests. We all know though, that life happens. The one time you are sick in bed and can’t get up to shovel is the time the UPS guy breaks an arm falling on your sidewalk. A renters or homeowners insurance policy can cover your defense costs as well as judgements on your behalf.
Insurance is intended to put you back where you were before your loss. Not better or worse but the same. That’s the basic premise of the promise I make you when I tell you “you are covered”. Thinking it’s unnecessary to take the extra time to talk to me is a statement I challenge. It is completely necessary, so I can match your needs to the coverage I offer. Insurance is designed to be there for you in your time of need and I want you to know that Martin + Martin is there for you at all times!