Insurance policies can be confusing to many and you should never assume that you have the right coverage for your specific situations unless you ask your insurance agent about it. Here are some questions you should ask your agent if they apply to you:

Do I need to change anything with my insurance policies since I have added new family members to my household?

I’ve changed jobs (or finished school, started working, stopped working, or retired). Do I need to change anything with my insurance?

Do I need a different coverage if I am remodeling or adding an addition to my house?

We’re getting married. How do we combine policies and make sure we have the right coverage for our new family?

I’ve started a home based business or I’ve started working from home. Do I need any additional coverage for this?

I’ve gotten some new expensive items (jewelry, sports equipment, musical instruments, business equipment, collection, etc). Are they covered on my policy or do they need specialty coverage?

Is my pool covered? Trampoline? Four-wheeler? Golf cart? Lawnmower? Etc? What if someone gets hurt on them?

Does my policy have enough coverage if I’m in a bad car accident or if someone gets hurt on my property?

Are there any exclusions on my policies?

One of my kids will be driving soon. What’s the best way to cover them?

Does my policy provide coverage to replace my items or give me their current value?

I have this insurance policy through work or another company. Can you review it?

How much would I have in out of pocket costs if _________ happens?

What are the payment plan options? Which ones give the best pricing?

What should I do if I’m in a car accident or if something happens to my home? What’s the process for filing a claim?

How do the discounts on the policies work? Are there ways I could lose or gain discounts?

Are there any more discounts or ways to save on my insurance?

In the end, it is worth a phone call or an email to ask a question to make sure you have the coverage your family needs instead of assuming. Your agent is there to guide you to what best suits your needs.