Welcome to 2013!

Christmas is over and winter is in full swing…..

The New Year has arrived and we’re on our way into 2013!

Here are a few things to think about, and possibly make changes, when it comes to your insurance coverages:

Did you get engaged over the holidays?  Make sure that your new prized possession – the ring – is properly insured. A typical homeowners policy insures jewelry for many causes of loss. However, it limits the amount you can recover for loss by theft. The limit is usually no more than $1,500 or $2,500 for theft of jewelry, watches, furs, precious and semiprecious stones. Theft of a diamond ring is more likely than a fire. Talk to us about the best way to insure it.

How about that new laptop, tablet or Ipad?  The good news is that your homeowners insurance will cover it. The bad news is that, of the four most likely causes of loss to a laptop, the policy only covers one – theft. It won’t cover damage caused by a power surge, from spilling a drink on it, or from dropping it. Talk to us about purchasing Special Computer Coverage. This relatively inexpensive insurance will pay for repairing or replacing a laptop that is lost or damaged in any of these ways.

What about you Snowmobile enthusiasts?  If you ever plan on crossing a road or riding on someone else’s property (public trails) – you must add special coverage onto your auto insurance policy. This coverage treats a snowmobile as if it were a car, covering you for liability if you injure someone with it, protecting you if someone without insurance collides with you and puts you in the hospital, and paying for repairs or replacement after a collision or theft.   Please call us if you have questions on any of your insurance policies.

We wish you all a Happy, Prosperous and Safe New Year!!

Your SZW Team