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Inside of HomeIt's a New Year! This means it's time to think about reviewing your homeowner's coverage to make sure it covers what you want. OK, I know this is not as exciting as watching the Cardinals. It also is not even second or third to that, but if you have made any additions to your house — or picked up something expensive that may be over your coverage limits — we need to take a look at that and see how to cover that. We all go through life at a rather fast pace, and just keep moving. So, when we have done something, it is on to the next thing — which is great — but we need to periodically take a look at what and how we are covered.

I really hate to tell you this, but no insurance contract covers 100% of everything. There are limits on everything, so it pays to check and see what those limits might be. That way there are no surprises if bad Juju comes your way.

Remodeling can really add to the comfort of your home. Insurance carriers use approximate building costs per square foot to determine how much money would take to rebuild your home. So whether it is worth $150 or a gazillion dollars  on the market, that has no bearing on rebuilding your castle. A great price on buying or selling a house means nothing if you have to rebuild it. So if you have upgraded your kitchen and put in a Viking appliance, we need to see if your current coverage will protect all of that. This is also why you get calls from us, to take some time to review your coverage. If you don't take advantage of these policy reviews, there is nothing I can do. Most agencies do not do reviews, but this is important, since we are in the protection business. Somehow giving you a pen and a sticky note pad with my name on it will not rebuild your garage, if a micro burst comes to your neighborhood.

Expensive furnishings, hobbies, collections and inherited heirlooms just need to be evaluated periodically. If you are not sure about any of these, give us a call and we can take a look at them. We have developed a couple of things to help you with your coverage needs. We have a Personal Inventory Form that let's you fill in your belongings and it goes room by room for you to list things; this will give you an idea of what to look at and perhaps jog your memory. If you would like a copy, call us at (480) 830-2595 or email us.

Also, it is good to take pictures of anything that is unique or expensive. You can down load our phone app on iOS or Google Play. Yes we have a phone app for that! One of the sections is for taking pictures of that $2000 bike you have. You get the idea. (Note: The app is for iPhones, Androids and Kindles.)

We have developed these tools for you not so we can sell you a policy, but because you are our client. We are building a clientele in the insurance industry by developing clients, not sales.

So when we call you about doing a review, let's set a time to take a look at what you want covered, so it's right for you. After all, you are the one paying for it. So make it do what you want it to do. And afterward, perhaps we can go out for a Guinness and wings.

Looking to change your home insurance coverage. We can help with that too! Call Colgrove Financial, LLC at (480) 830-2595 for more information on Arizona home insurance.
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555 W Chandler Blvd. Suite 203
Chandler, AZ 85225
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