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Introduction
Your standard insurance policy covers common perils—but what about the uncommon? Riders (also called endorsements) let you tailor your coverage, filling gaps and boosting limits where you need them most.

What Is a Rider?

• Definition: An add-on to your base policy that modifies coverage.
• Cost: Additional premium, often a small percentage of your base rate.
• Flexibility: Can be added at purchase or mid-term when circumstances change.

Popular Homeowner’s Insurance Riders

1. Scheduled Personal Property
   • Covers high-value items (jewelry, art) at appraised amounts.
2. Water Backup
   • Protects against sump pump failures and sewer overflows.
3. Extended Replacement Cost
   • Pays beyond dwelling limit if rebuilding costs exceed estimate.

Common Auto Insurance Endorsements

• Roadside Assistance: Tow, tire changes, jump starts.
• New Car Replacement: Brand-new vehicle if totaled within first 1–2 years.
• Gap Insurance: Covers difference between actual cash value and loan balance.

When to Consider Adding a Rider

• After major purchases: Engagement ring, collector vehicle, electronics.
• Life changes: Renovations, home office setup, business inventory at home.
• Risk factors: Aging plumbing, finished basement prone to flooding.

How to Add or Remove a Rider

1. Review existing coverage: Identify gaps or overlap.
2. Get quotes: Ask your agent for rider pricing.
3. Weigh pros vs. cons: Compare incremental cost vs. potential payout.
4. Submit endorsement: Insurer will issue updated policy documents.

Conclusion & Next Steps
Riders are a cost-effective way to customize your protection. Review your policies today to see where a small premium increase can yield big peace of mind.

Customize your coverage: Talk to an agent now about the riders that fit your lifestyle!

Introduction
Dealing with an unexpected loss can be stressful. Knowing how to file your insurance claim correctly can speed up processing and help you get the full benefit you deserve.

Step 1: Act Quickly and Stay Safe

• Immediate actions: Prevent further damage (e.g., tarp a leaking roof).
• Safety first: Turn off utilities if there’s a risk of fire or flood.

Step 2: Document Everything

• Photos & videos: Capture damage from multiple angles.
• Inventory list: Note item descriptions, ages, and approximate values.
• Receipts & records: Keep bills for repairs, medical visits, or replacement purchases.

Step 3: Notify Your Insurer

• How to report: Call your agent or submit via the insurer’s app/website.
• What to include: Policy number, date/time of loss, description of damage, photos.

Step 4: Meet the Adjuster

• Purpose: They assess damage and verify coverage.
• Preparation: Have your documentation organized and accessible.
• Tip: Ask questions about how they determined repair estimates.

Step 5: Review the Settlement Offer

• Check line items: Ensure materials and labor match your quotes.
• Negotiate: Provide additional evidence (e.g., contractor bids) if you disagree.
• Finalize: Sign and return any release forms to receive payment.

Conclusion & Next Steps
Filing a claim doesn’t have to be daunting. Follow these steps to streamline the process and secure the maximum payout.

Need help? Contact our claims specialists for a free consultation!

Introduction
High insurance premiums can strain your budget—but cutting costs shouldn’t mean cutting corners on protection. These five strategies help you secure the coverage you need at a price you can afford.

1. Increase Your Deductible

• How it works: You agree to pay more out of pocket before insurance kicks in.
• Benefit: Lower monthly or annual premiums.
• Tip: Only raise it to an amount you can comfortably cover in an emergency.

2. Bundle Multiple Policies

• What to bundle: Auto, home, renter’s, even umbrella liability.
• Why it helps: Carriers often offer 10–25% discounts on combined policies.
• Action: Contact your insurer to compare bundled vs. standalone quotes.

3. Maintain a Good Credit Score

• Connection: Many insurers use credit-based insurance scoring.
• Impact: Better scores can mean lower rates.
• Recommendation: Pay bills on time, reduce balances, and check your credit report annually.

4. Shop Around Annually

• Market fluctuations: Rates change as carriers adjust pricing and risk models.
• Process: Get at least three quotes before renewing.
• Tool: Use online comparison sites or work with an independent broker.

5. Ask About Discounts and Credits

Discount Type	Who Qualifies	Typical Savings
Safe-driver/low-mileage	Drivers with clean record	5–15%
Multi-car	Two or more vehicles	10–20%
Home security systems	Alarm, smoke detectors	5–10%
Loyalty	Renewal after 3+ years	5–10%
Paperless billing	Electronic documents only	1–3%

Pro tip: Some credits stack—ask your agent for the full list!

Conclusion & Next Steps
By combining these strategies, you can save hundreds each year without sacrificing the protections you need.

Ready to save? Compare quotes in minutes and lock in lower rates today!