Halloween is supposed to come with a few surprises.
Your insurance policy? Not so much. 🎃
One of the worst times to discover something about your coverage is after a claim happens. Yet that’s often when people find out their deductible is different than they thought, something isn’t covered the way they assumed, or a change in their life was never reflected on their policy.
So, in honor of Halloween, let’s talk about a few insurance surprises we’d much rather help you uncover before they become scary.
“Wait… THAT’S My Deductible?”
Not all deductibles are created equal.
Your homeowners policy may have a different deductible for wind or hail than it does for other types of losses. Some policies use a percentage rather than a flat dollar amount.
If you haven’t looked at your deductible recently, don’t wait until there’s a storm to find out what you’d be responsible for paying.
“I Thought That Was Covered.”
This might be one of the most common insurance surprises.
We all make assumptions about our coverage. Water backup, jewelry, recreational vehicles, business equipment at home, rental properties—the list goes on.
But insurance policies have limits, exclusions, and conditions, and coverage varies from policy to policy.
That’s why we’d rather hear the question, “Is this covered?” before something happens.
“We Finished the Basement Two Years Ago…”
New kitchen? Finished basement? Addition? New deck? Pole building?
Your home can change quite a bit between the day you purchase your policy and the day you actually need it.
If you’ve made significant improvements, it’s worth making sure the replacement cost and other details on your homeowners policy still reflect the home you’re living in today.
“My Business Does Something a Little Different Now.”
Businesses evolve, too.
Maybe you’ve added employees, purchased equipment, started offering a new service, moved locations, increased sales, or started working in an area you didn’t when your policy was originally written.
Those changes can affect your insurance.
Your agent can’t help account for something they don’t know about, so keeping us updated is an important part of making sure your coverage grows with your business.
“I Didn’t Know I Needed to Tell You That.”
This is exactly why we encourage our clients to call us—even when they’re not sure something matters.
Bought something expensive? Call us.
Teenager started driving? Call us.
Bought a cabin or rental property? Call us.
Business is changing? Call us.
Planning a renovation? Call us.
We’d rather have a five-minute conversation and tell you nothing needs to change than have a very different conversation after a claim.
Take the Scary Out of Insurance
Insurance can be confusing. We know most people aren’t spending their Friday nights reading their policy and we don’t expect you to.
That’s our job.
Our role as your advisor is to help you understand what you’re buying, ask the questions you may not know to ask, and proactively review your coverage as your life changes.
Because ghosts, goblins, and things that go bump in the night?
We’ll leave those to Halloween.
Unexpected insurance surprises? We’d rather help you avoid those altogether. 🎃
Have something you’re not sure your policy covers? Ask us. There are no silly insurance questions, and we’d much rather talk about it now than after something happens.
Contact us
📞 (651) 760-8369
📞 (715) 781-8217
📞 (218) 741-0000
📞 (608) 755-1027
📱 Text Line: (651) 273-1143
📧 Email: hi@aspireinsurancegroup.com
📅 Business Hours: Monday–Friday, 8:00 AM – 4:30 PM