In our email for your renewal, we discuss some important changes to your roof coverage. Do you understand and acknowledge these changes:

Having low auto liability limits can leave you financially vulnerable. We recommend carrying 250/500 liability limits. If you cause an accident and the damages exceed your insurance coverage, you could be held personally responsible for the remaining costs. This may lead to legal action, and the injured party could seek compensation by going after your personal assets — including your home, savings, wages, or even your retirement accounts. By acknowledging this statement you agree to the risks:

Identity Theft: Provides a limited amount for covered expenses such as: attorney's fees, lost wages, loan application fees, & other expenses to recover an identity breach-- Cyber (not available with every carrier): Coverage for Cyber Crime, Data Recovery/System Restoration, Cyber Bullying/Extortion, and Breach Estimated Cost: $3/month

Coverage for your valuable items such as: jewelry, furs, watches, silverware, fine artwork, golf equipment, and collectibles. These items have limitations. Highly recommended for individual items of jewelry valued over $1,000.

Property insurance does NOT cover flood damage. You must obtain a policy through the Federal Emergency Management Agency (FEMA) if additional coverage is needed. We can sell and administer this policy for you! Estimated Cost: Varies

Covers damages caused by an earthquake, a sudden and violent shaking of the ground resulting from movement of the earth's crust. Insurance coverage for earthquakes is generally not included in standard homeowners or renters insurance policies. Estimated Cost: Varies

As a homeowner you're responsible for the service lines that run from the curb to your home. When your service line is damaged it can be a very costly expense to repair or replace. From identifying the problem to excavation to repair, Service Line Coverage has you protected. *Coverage availability varies -- Example Claim: A power line that runs underground and up to the house is damaged. Policy pays to repair or replace the line, as well as the excavation costs. Estimated Cost: $2/month

Provides coverage for all of your important home systems & personal property due to a loss by mechanical or electrical breakdown. From air conditioners and heating units to computers and major appliances, equipment breakdown has you covered.*Coverage availability varies -- Example Claim: Your property is hit with an artificially generated power surge. Boiler and water heater controls, security system, and media equipment were damaged. Total Cost: $18,300 Estimated Cost: $2/month

This optional coverage may help pay for water damage resulting from a backed up drain or sump pump. For instance, it may help cover the cost of replacing furniture or removing water after an unexpected backup. -- Example Claim: Your sump pump stops working during a heavy rain, resulting in 6 feet of water in your basement, damaging the flooring, walls, and furniture. Total Cost: $15,800. Estimated Cost: Varies

A Personal Umbrella Policy provides additional financial protection beyond the base limits found on your auto and property policy. You must meet all of the qualifying guidelines to purchase this optional policy -- Example Claim: You are responsible for a major auto accident, resulting in significant injuries to one person needing emergency surgery, months of rehab, and several months off of work. Total Estimated Cost would be $750,000, but your auto policy only covers up to $100,000. If you have an umbrella, it would continue to pay for the damages up to the umbrella limit. Without an umbrella, you would be responsible for the remaining $650,000. Estimated Cost: $10/month

Insurance carriers now heavily weigh claim frequency, not just payouts, when setting renewal rates. Small claims like $80 tows require the same processing time as larger claims, making frequent claimants expensive to service. At renewal, carriers penalize clients with multiple claims regardless of size. Our recommendation: Use third-party providers for roadside assistance, rental reimbursement, and glass coverage. These specialists handle small claims outside your insurance record. Example: An at-fault accident ($18K vehicle + $5K medical) plus two tow claims equals three total claims. While the tows cost little, that frequency bumps you into higher-rate tiers and limits your shopping options at renewal. Bottom line: Frequency kills your rates more than claim size.