Why is it Important to Have an Annual Insurance Review on my Personal Insurance?

It’s the New Year and now is the perfect time to have an annual review or to have all your insurance coverages changed over to one agent.

Over the course of a year, people’s lives change. Your insurance agent is there to educate you on where there may be risks and how to provide the proper coverage you need. Your agents’ primary goal is to review changes in the client’s situation and to identify any gap/overlaps in coverage and to bring it to the client’s attention.


Identifying and eliminating coverage duplication is another reason to have an annual review. Example:

♦Gaps in coverage such as Mortgage Protection

♦Low limits of coverage

♦Adequate insurance-to-value

♦Towing Club Membership in addition to Towing & Road Service coverage

♦Special needs e.g.; Umbrella Exposure

♦Absence of total line coverage, e.g.; no Fire coverage

You might buy a new car or a recreational vehicle, such as a motorcycle, golf cart or a boat. You may remodel your home, which would add value to your home, or purchase an expensive item such as an expensive piece of jewelry or artwork. Other changes could be the birth of a child or grandchild, retirement or have a change in your marital status.


You may also be eligible for discounts/credits for some of the following:

♦Passive Restraint

♦Antilock Brakes

♦Auto/Home Protective Devices


An annual review is the best way of ensuring that the client is advised of their proper insurance needs.

Call Motz-Rusin Insurance Agency today at 760-564-3888 or go to www.MotzRusin.com for your Insurance Review!


This article is for general informational purposes only and does not provide details of what you need to do to protect your assets.

License # OM26924

*Discounts/credits vary by state