3 Reasons to Plan a Review of Your Family's Insurance
March 10, 2020
Count on us to help you keep your family's insurance policy up-to-date
Many people here in the Elmira area work hard to make sure that their family is healthy and safe, which is why the demand for affordable insurance plans that provide adequate protection in the case of an emergency is always consistent. No one wants to be in a situation where their partner and/or kids are left in a dire situation and struggling financially. Of course, there are some family insurance plans that are different than others. Many individuals, based on their age, health, and financial status, may have different needs, standards, and expectations.
We know that it isn’t always easy to select all the insurance plans that are correct for your family, and the process can often be extremely confusing. You also might have a current insurance plan, but are curious about what other options exist. Here are three reasons to plan a review of your family’s insurance policies.
Find Out Your Insurance Details To Remain Aware
Another important reason to review your insurance policies is to make sure that you are securing the correct protection for the premiums that you are paying. Sometimes simply paying our required insurance premiums becomes habitual and automatic. Perhaps the premiums are even deducted directly from your bank account. As time goes by and our circumstances change it is a good idea to be sure that those premium payments are still providing the insurance value that you need. A professional insurance agent like those here at the Wallin Insurance agency can help you determine that your hard earned dollars are providing the insurance protection that you require.
Most insurance policies require you to pay deductibles, so it’s important to remember all aspects of your family’s insurance plans before committing to anything. Some websites also offer an annual estimated insurance cost, which might be a better option for any long-term financial planning. You might want to review your family’s insurance plans to remain aware of exactly what they cover.
You Are Making More Money Now
You might have decided that it’s time to take another look at your family’s insurance plans since you are making more money than ever before. Let’s say that you own a business that was failing for several years, but it is now making more money than you ever believed was possible.
If you are making significantly more money, it may be time to strengthen your family’s insurance protection since money might play less of an issue now.
It Might Be Time To Adjust
You might not have thought much about life insurance or adequate auto insurance in your 20s, but we all know that impactful situations tend to pop up decades down the line. You might be realizing that your lifestyle is changing, and that you should consider adjusting your insurance policies since you may face more health issues or differing driving situations than you did earlier in your life.
You may also want to adjust your family insurance plan after a major life event, such as a marriage, divorce, or the birth of a child.
At the Wallin Insurance Agency we recommend a thorough review of your family’s insurance policies at least every couple of years. If it is time to make sure that your family has the insurance protection that they need and you are getting all of the money saving discounts you deserve give us a call today at 607-734-8799, we LOVE to help!
When it comes to insurance, it’s tempting to shop around for the lowest price — after all, who doesn’t want to save a few dollars each month? But insurance isn’t like buying a gallon of gas or a cup of coffee. The cheapest policy might save you a little upfront, but it can cost you much more in the long run. Coverage limits, exclusions, and customer service vary greatly from one company to another, and a bargain policy may leave you uncovered when you need it most. A good insurance policy should give you peace of mind, not just a smaller bill. That means choosing a plan that’s tailored to your specific needs — your home, your car, your lifestyle, and your risks. A knowledgeable local agent can help you understand what’s included (and what’s not) so you don’t find out the hard way after a claim. At Wallin Insurance, we take the time to make sure you’re properly protected, not just “barely covered.” Another key difference between cheap insurance and the right insurance is service. When something goes wrong — whether it’s a fender bender or storm damage to your home — you want a team that answers the phone, knows your name, and helps you through every step. As an independent agency, we work with multiple carriers to find the right fit for your budget and your coverage needs. We’re also your advocate when it’s time to file a claim, not just a voice on the other end of a 1-800 number. At the end of the day, buying insurance isn’t about finding the lowest price — it’s about finding the right protection and a trusted partner. At Wallin Insurance, you’ve got a friend in the business who’s here to help you make confident, informed decisions so you’re covered when it matters most.
When it comes to protecting your home, car, or business, the coverage you choose is important—but so is the person behind it. Buying insurance locally isn’t just about convenience; it’s about building a relationship with someone who truly understands your needs. At Wallin Insurance, you’ve got a friend in the business, and here’s why choosing a local agent matters. 1. Personalized Service You Can Count On A local agent knows the community and the unique risks that come with it. At Wallin Insurance, we take the time to get to know our clients personally—understanding your lifestyle, your priorities, and your concerns—so we can recommend coverage that fits your life. When questions arise or claims need attention, you can call us directly and speak to someone who knows you, not just a faceless hotline. 2. Quick and Easy Claims Assistance When the unexpected happens, speed matters. Our local agents guide you through the claims process quickly and efficiently, helping you get back on your feet without unnecessary stress. Being right here in your community means we’re invested in helping our neighbors—our clients—every step of the way. 3. Support Local Businesses and Give Back Working with Wallin Insurance means supporting a local business that actively gives back. We proudly support a variety of charities, including delivering Meals on Wheels to community members in need. Choosing us isn’t just about insurance—it’s about contributing to a stronger, more caring community. 4. Tailored Advice You Can Trust We don’t just sell policies—we build relationships. At Wallin Insurance, we help you understand your options, identify discounts you may not know about, and make sure you have the right coverage for your specific situation. That personal guidance is something you won’t get from a big online insurer. 5. Peace of Mind Knowing there’s a friendly, familiar face to turn to when life throws the unexpected your way is invaluable. With Wallin Insurance, you’ve got a friend in the business—someone who truly cares about protecting your home, family, and future. Final Thoughts Insurance is more than just a policy—it’s protection for what matters most. Choosing Wallin Insurance means personalized service, faster claims help, and the confidence of working with someone who genuinely cares about you and our community. And remember, with Wallin Insurance, you’ve got a friend in the business.
Why You Should Bundle Your Home and Auto Insurance When it comes to protecting the things that matter most, like your home and your vehicle, having the right insurance coverage is key. But did you know that combining your home and auto policies with the same insurance company can provide significant benefits? Bundling is one of the easiest ways to save money and simplify your insurance experience, all while ensuring you have strong protection in place. One of the biggest advantages of bundling is the potential for cost savings. Many insurance companies offer discounts when you purchase multiple policies through them. These savings can add up quickly, making it a budget-friendly way to secure the coverage you need. Plus, it’s a smart financial move to maximize value without sacrificing quality protection. Bundling also adds convenience. Instead of juggling multiple policies, payments, and renewal dates with different companies or agents, everything is streamlined. This makes managing your coverage easier and less stressful, especially when it comes to filing a claim. With just one agency handling your policies, you’ll also have a single point of contact for questions or assistance, saving you time and frustration. Lastly, bundling can help ensure better coverage coordination. When one insurance agency oversees your insurance portfolio, they can identify gaps or overlaps in your protection. This holistic approach helps ensure that you’re fully covered in the event of an accident, natural disaster, or other unexpected event. At an independent insurance agency, we can compare multiple carriers to find the best bundling options for your unique needs, giving you peace of mind and the best possible value.
We Have a Mural to Prove It
Auto insurance companies are facing unprecedented rate increases due to inflation and the increasing cost of repairs. One of the most simple ways to assure your auto insurance rate is providing the best value is to take a defensive driving course - which is available to you online ! For residents of New York, the Improv Traffic School is currently offering their top-rated, fully-online defensive driving course for under $30, making it easier and more affordable than ever to both become a better driver, and save on auto insurance premiums. Some benefits of taking the course include: A guaranteed reduction of up to 10% on insurance rates - The certificate is recognized by all New York State auto insurance companies. Reduction in points on your license - For people with points attached to their driving record, the Defensive Driving Course can help eliminate those marks on your driving history. A fully online learning environment - The course can be completed from the comfort of your own home, with an instant awarding of your certificate upon completion. No final exam - Anxious test-takers, worry not. The Improv School’s course is content-oriented, making the focus more about taking in information than being able to reiterate the contents of the class. The course is designed to benefit you. If your defensive driving certificate is near its expiration date, now is the perfect time to renew without going out of your way. For folks who have previously completed a Defensive Driving Course, the Improv School also offers a 3 Year Renewal Course in order for you to retain your discount. If an online course does not sound like the right choice for you, there is a classroom-style Defensive Driving Course for your consideration. The classroom-based course offers all of the same benefits as the online equivalent, including the reduction of up to 10% on your insurance rates. Whether you’ve been seeking a way to lower your premiums, or simply desire to improve your driving habits, learning more about defensive driving strategies is a simple and efficient way to start.
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