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Protecting Your American Dream

Protecting Your American Dream

Let's talk about the American Dream. The notion that everyone has the ability to reach any goal they set their minds to; the belief that if we work hard enough, anything is within our reach. This is a concept many of us have heard about throughout our lives. Maybe you learned about it from your parents or a high school teacher; in any event, you know you have to work hard to achieve your goals and obtain the things you need and want. For some of you this means home ownership, while for others it may mean being able to buy the vehicle of your dreams. However you define it, don't make the tragic mistake of leaving your hard-earned American Dream vulnerable to loss. Everything you own should be covered by insurance, especially big ticket items like your home and vehicle. Obtaining coverage for these two items can be a daunting task, that’s why we’re here to help guide you.

1. Know your legal and contractual requirements

So you got the big promotion at work and were finally able to put a down payment on your first home. Or maybe you just purchased a brand new vehicle. Whatever the situation, you now own property and you are bound to certain legal and contractual requirements for obtaining insurance coverage. In the case of your home, your mortgage company will require you to carry coverage for the length of the mortgage. Once you fully own your home, your contractual obligation would be fulfilled, but always having homeowners insurance is highly recommended. As for automotive insurance, everyone is legally required to carry a minimum of liability coverage to protect the property of others in the event of an accident. If there is a lien on the vehicle, the lien company will require full coverage to protect your vehicle as well. Once the lien obligation is fulfilled, you could legally drop from full coverage to liability. This will save you money, but it will also drastically affect your coverage. It's important to keep in mind that choosing the minimum coverage needed to fulfill your legal or contractual obligations is not always in your best interest; in some situations you need more coverage. All companies operate differently, so you should make sure you're aware of your specific legal and contractual obligations, first and foremost.

2. Contact Wiedemann

Once you know your obligations, you will need to get quotes on coverage. It's a good idea to get quotes from at least three companies to compare their policies, services provided and premiums. As an independent agency, we represent multiple companies and can give you these quotes, which saves you from having to make multiple inquiries. We also have the experience to know which policies will be best suited for you. We offer bundle packages for home and auto to help you save on premium dollars. Excellent service is a high priority of ours and we will spend the time to make sure you are getting a custom-tailored policy that suits your specific needs.

Any agency can sell you a policy, but it takes a service-oriented agency to give you the policy that is most suited to your needs.

 
3. Compare, compare, compare

Now that you have three quotes, what do you do with them? Compare, compare, compare. You’ll want to compare the policies from each company to make sure you’re receiving quotes on the coverage you need. Oftentimes, the company with the lowest premium offers a policy with less coverage. This is why we stress not relying solely on price when choosing insurance policies. It’s vital to make sure the policies will cover all of your needs first and then focus on price later. It’s also a good idea to research companies to learn who/what they are and how their established customers feel about them. One may offer a great policy at a great price, but if they’ve been proven to have poor customer service or are slow on claim processing, they might not be the best fit for you.

We know choosing insurance coverage can be complicated and overwhelming, but it doesn’t have to be. If you entrust your protection to us, we will ensure you’re fully covered and you can contact us at any time, for any reason. We are available 24/7 for our customers and know how to help you choose the best-suited policy for your needs. Don’t settle for anything less than the best when it comes to protecting your American Dream.

For more information or to schedule a consultation, contact Wiedemann today.

 

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