Why You Should Call Your Insurance Agent in Early 2019

December has been quite a busy one, and not a great one for some. Let’s take a minute to remember those affected by the Camp and Woolsey fires, many of whom didn’t have a home to celebrate the holidays in. And with New Year’s Eve celebrations around the corner, the month’s activities are still in full swing. So why are we telling you to call your insurance agent in the new year? There are many reasons, but here are the top four for you—you’ve got nothing to lose, and so much to gain. In fact, you might lose out if you don’t call and have us review your policies! Here’s why:

  1. Holiday Gifts: Did you get your wife that diamond necklace she’s always wanted? Perhaps you found that new Apple watch under the tree? Perhaps your son or daughter got that Playstation they’ve been bugging you for for months? If there’s new high-ticket jewelry or electronic items in the house, make sure to get them insured. Most homeowners’ insurance policies will only insure jewelry up to $1,000 unless you’ve specified a sublimit for specific items. Call us to explain what a sublimit or umbrella coverage is.
  2. The Sportsman: Did your holiday plans include a trip to the snow with new skis or snowboards? Did you take advantage of some of the sales and buy some new golf clubs or a new standup paddle board? Like the new and expensive jewelry, your insurance company should know that you have new and high-value sporting equipment in the house. Don’t think it matters? Wait til you leave the garage door open one day and someone makes off with your new electric scooter. It won’t be covered for its full value unless its listed on your policy.
  3. Life Changes: Is someone in the family turning 16 this year? Get them a car of their own, used or new, but also get them a good insurance policy for teens. We are experts in teen coverage! Don’t do the research—we’re experts and do that for you, for free.
  4. Housing Values:  Property values in California have been going up and down, depending on where you live, and your house might be worth more than its covered for. Make sure your policy covers the true value of your home by giving us a call and checking for you. That way you won’t get a second round of devastating news if your home gets destroyed by a fire or flood—and ask Santa Barbara and Montecito residents. Both can certainly happen.

Have their been other changes in your life? New car, new house? Do remember that BMR Insurance Agency is always here to review your policies with you, for no charge at all. Our job is to make sure you are completely covered for your needs at all times. That way we all sleep better!

Love the service you get from BMR Insurance Agency? Refer a friend and receive a $25 gift card of your choice. Don’t forget we’re here for you if you have questions about your policy or coverage: Call us at 714-838-1911 or send us an email: info@bmrins.com. Don’t forget to follow us on LinkedIn for all the latest and best information and advice on all insurance matters.

Have a safe and wonderful New Year’s Eve celebration, and we look forward to seeing you in 2019!

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