Yes. We aren’t going to drive down to city hall and pull all of your records, but we are going to utilize our resources that allow us to get information such as: Zillow to see how many square feet your home has, and if there are any detached structures such as a tool shed out back. We might perhaps stumble across one of your social media pages and see that you have posted a picture of your new pit-bull with the caption: “bringing him to our new home.”

Often when purchasing homeowners insurance, carriers will perform inspections of your future home and if they see a dog house being constructed in the back yard, they will want to know the breed and the temperament of this new addition to the family and if the animal is listed as aggressive to the carrier, you might have to re-shop your insurance/ face a significant increase to your premium. Both of these outcomes generate a hassle for you. It is very important that the information you provide an agent with is as accurate to the best of your knowledge. The admissions that you provide will be evaluated.

Perhaps your child was not a licensed driver at the time you obtained your auto insurance policy, and you want them to drive your vehicle. Notify your agent so that they can be listed as a driver on the policy. The responsibility lies in your hands to communicate to your agent about the changes that occur to your home, auto, business, and life insurance needs. You want to make sure that in the event of an accident or total loss, that you have the right amount of coverage and that those individuals and items that need to be covered are covered. It in essence takes the hassle and burden out the equation.