It is time your insurance makes your New Year’s Resolution list! We know not everyone sticks to their new year’s resolutions… you can tell by the dusty exercise equipment or projects left un-done. There are a few resolutions that stick, and we think you should add reviewing your insurance towards the top of your list this year.
The Natwick Insurance Team thinks it is a good idea to start each new year by reviewing your insurance coverage because home, auto, boat and other insurance needs change over time. A growing family, new jobs, moving or buying/selling autos are just a few examples of changes that can affect your insurance coverage and premiums. Too often, policy holders purchase insurance and assume they will never need to make a claim and file the policy away, they rarely take the time to review it to confirm everything is still protected.
Insurance is there in case of an emergency, it is always wise to make sure it covers what you will really need.
When it comes time to use your insurance you’ve paid all year for, the last thing you want to learn is that you don’t have enough coverage or the right coverage. We also think it is important to review your policies to ensure you aren’t paying for coverage you don’t need.
The start of the new year is a good time to update inventory of your possessions. You will need to provide the insurance adjuster an accurate list if you have to make a homeowner’s insurance claim. More than likely you acquired some new things over the year or you might have been given a valuable gift like a new TV or jewelry. Having a list of your contents that should be accounted for in your home in case of a loss will allow you to get them back (or the value of them back) without tapping your bank account.
If you are like me and don’t like making lists and checking it twice… you can make a video recording of your home and your personal possessions inside. If there is a theft or fire, you will have proof that you own the items you are claiming. This is where details really do matter… some policies cover for replacement cost while others will pay only the actual cash value, meaning you’re reimbursed for the depreciated value of an item (think garage sale prices). Do you know what your policy actually covers? Let the Natwick Insurance Team review your policy with you to ensure you know exactly what you are covered for.
With housing prices increasing, other than your personal contents in your home, you will also want to review your policy to ensure your home insurance coverage's remains high enough if you ever must rebuild or repair at today’s construction prices and building codes.
Natwick Insurance also recommends reviewing your auto insurance policies. The amount you drive, and which vehicles are being used to drive will make a difference on your premium. If you have changed employment or residence and your daily commute isn’t as far as it used to be you could find savings by re-quoting your policy.
One of the things that will have the largest effect on your auto insurance premium is your driving history. Making a resolution to driver safer and avoid distractions like texting while driving will help ensure your auto insurance doesn’t go up! If you had a year without any accidents and/or tickets, then let’s review your insurance to see if your good driving history can save you money by re-quoting your policy.
Knowing what your auto insurance actually covers is just as important as knowing your homeowner’s insurance coverage… Comprehensive coverage, towing and car rental insurance will be important if your car is damaged in an accident. How about UM (Uninsured or Under-insured Motorists) coverage, do you have it? 23% of Florida drivers are not insured, what happens to you if you’re involved in an accident caused by that un/under insured driver? Does your auto insurance have you covered?
If you are not sure about your insurance coverage's and/or if you just want to review your insurance policies contact the Natwick Insurance Team at 321-735-0381 or Info@NatwickInsurance.com to help you fully understand all of your insurance policies and what they cover.
Natwick Insurance is your full-service independent insurance agency who has been Providing Insurance Solutions with Personal Service since 2006.
Natwick Insurance is growing!
In just over a year the Natwick Team has grown from 2 agents to 5 to meet their growing needs and continue providing their customers with excellent customer service.
In their agency, they take great pride in the quality of service they provide to their customers.
Whether their clients need help filing a claim, processing a payment, or just understanding their insurance coverage the Natwick Insurance Team will always be there ready to help.
At Natwick Insurance, they know their clients and they know insurance, so you have the peace of mind that comes with knowing your insurance agency can help you regardless of how big, small, unique, or specific your insurance needs are.
Meet the Natwick Insurance, Inc. Team they are your local independent insurance agency providing “Insurance Solutions with Personal Service”.
Erik & KT Natwick... Erik is our agency founder. After having worked years in the industry under those who focus so much on numbers and not on the people – he wanted to bring a personal touch to his customers, so he founded his own agency to truly provide insurance solutions with personal service, which is where our “motto” came from. He has more than 15 years’ experience in the insurance industry, a Bachelor of Science in Business Administration from The University of Florida; “Go Gators”. You may have seen Erik around, he was raised in Satellite Beach, coaches Satellite Beach P.A.L. basketball, volunteers with his Church Trinity Wellsprings, and lives in town with his beautiful wife KT who also works with the Natwick Ins. Team and their two fun-loving kids Logan & Reid.
Kyle Morrell... Kyle is a licensed insurance specialist who has 10+ years’ experience in the insurance industry. Problem solving to create solutions tailored for each unique customer is what drives him. He’s a military “brat” who came here in 1990 – lived in South Patrick Housing, attended Delaura, Satellite High School, Brevard Community College before it became EFSC and The University of Florida. Kyle is a father of 5 and has been married to his beautiful wife Christine for 14 years. Kyle coaches his children’s sports and can be found exercising most every day of the week. The amazing Florida weather permits him to stay active outdoors all year long doing numerous things from swimming, to biking, to running or just taking a walk with his family and new Golden Retriever puppy, Sunny.
Donnie & Karrie Torok… Donnie was enjoying working with the Natwick Insurance team so much over the past 3 years that Karrie recently “jumped ship” from the world of management and operations to focus their collective career on helping members of the community navigate the world of personal and commercial insurance. You've probably seen Donnie around, he is the current President of the BNI, Beeliners group in Merritt Island and volunteers with local non-profits like Anglers for Conservation and Candlelighters of Brevard. Karrie was born in Melbourne, back when Holmes Regional was called Brevard Hospital and in 2004 she brought Donnie to sunny Florida from Ohio. Donnie, Karrie & their dog Rico Suave spend as much time as possible paddle boarding the canals, exploring nature and having adventures with their nieces.
Thanks for taking the time to learn more about our agency and please feel free to contact us any time about anything.
Let our Team help you with all of your insurance needs!
Our Services: *Home *Condo *Flood *Auto *Boat *Motorcycle *RV *Workers' Compensation *General Liability *Commercial Property * Builders Risk
Natwick Insurance, Inc.