Modern life is busy enough without having to ask yourself “how might this affect my insurance?”. Thankfully, the agents at Kasmann Insurance are constantly pondering what your purchases, vacations, and life changes may mean for your insurance coverages and needs. To help us help you, we’ve compiled a list of the top 12 things we want you to ask your agent about… when you have the time!
Renting
The landlord for your sweet new apartment may require you to purchase Renters Insurance, but even if it’s not required, Renters Insurance is a smart way to protect your assets. And the potential multi-policy discount on your Auto Insurance is worth a look!
Renting an ATV on Vacation
When you’re least likely to be thinking about your Homeowners Insurance is the time when you may be most likely to need it. Most Homeowners Insurance policies have an available Recreational Vehicle Liability endorsement to cover that rented ATV trail ride through the mountains.
Kids – Life Insurance
Your new bundle of joy deserves the absolute best start in life. Now is the perfect time to consider the gift of Life Insurance for your children or grand-children. There is nothing sweeter than the super-low Life Insurance premium on a child.
Children Getting Permits
Your baby’s growing up and getting their Drivers Permit! Congratulations! We want to know that Permit Number ASAP so your new driver is properly covered. We also want to know if your child is a Good Student or has taken Driver’s Ed so we can save you as much as possible.
Dogs
We love dogs, and we want to make sure they’re properly insured. If you’re adding a dog to your family, give us a call to make sure Animal Liability is a part of your Homeowners Insurance policy.
UBER/LYFT/DoorDash
App-based delivery services can be a great way to earn extra cash, but they ABSOLUTELY effect your Auto Insurance, and driving for them can expose you to increased risk if you’re not insured properly. Your current Auto insurer may have an endorsement we can add, or we can quote you with an insurer who’s a better fit for your needs.
Pools
It’s hot. It’s miserable. Your dream pool is FINALLY installed and filling up with cool, refreshing water. Before taking your first plunge, call us for an Umbrella Insurance quote and to double-check that your Homeowners Insurance is properly covering your new aquatic acquisition.
Home Improvements
Planning a kitchen or bathroom remodel? Adding more finished square feet to your basement? Pouring a slab for your new shed/workshop? Call us to discuss your current coverages and limits to make sure the investment you’re putting into your home is properly covered.
Roommates
The people who share your space and your bills may also be sharing your liability risks. Ask us how having a roommate may affect your Auto, Renters, or Homeowners Insurance.
Listing a House for Sale
After you hang up with your Realtor, give your Insurance Agent a call, especially if your home is going to be vacant before you sell it. Are you thinking of changing the use of a home from your residence to a rental? You guessed it – Call us!
Big Purchases
Reach out to your favorite agent when you’ve made an expensive purchase, or have inherited an item of value. We can easily schedule collectables, firearms, jewelry, bikes, computers, and artwork onto your Renters or Homeowners policy. Ready to purchase an engagement ring for that big question? Tell us! We can keep a secret!
Wedding insurance
The ring purchase worked! You’re getting married! First off, congratulations. Second, get yourself some Wedding Insurance for the big day. Gifts get stolen, caterers cancel, Aunt Mabel gets tipsy and sets the dance floor on fire… we got you.
Insure with the People you Trust
Whatever life brings you, the agents at Kasmann Insurance are here to help protect it. Give us a call at 573-442-1105 or reach out through Facebook or e-mail whenever you have a question about your coverages or risk exposures. We eat, sleep, and breathe insurance so that you don’t have to worry!