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Top 5 Ways to Lower Risk with Personal Insurance

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Top 5 Ways to Lower Risk with Personal Insurance

Published Tuesday, October 10, 2017
by Diane Hipp

 

Preventing a loss is always better than experiencing one—even with insurance.  Here are some easy things you can do to protect your assets and reduce your risk.

  1. Remove from your vehicle all belongings in sight. Laptops, tablets, cameras, GPS systems, purses, wallets, newly purchased items in store bags…these are awfully attractive to thieves, walking by your vehicle.  Remove the temptation by keeping the inside of your car clean and empty.
  2. Lock your car when you’re parked outside your house. Most cars have a garage door opener on the visor.  This is basically a key to your house!  Keep your car locked to protect your house.  Additionally, lock the door from your garage to your house for added protection.
  3. Be aware of phishing emails. Most personal computers are lacking the protection that business computers have against hackers and viruses.  Take extra precaution when clicking on emails by reading the actual email address carefully and hovering over any links to read the true destination.
  4. Be wary of calls from the IRS or “Customer Service.” The IRS has stated that it never calls citizens.  Any call you receive is a scam.  Likewise, someone calling from “Customer Service” or “IT” is also likely a scam.  Do not share any personal information.
  5. Inventory your house. Sound daunting?  We have ideas to make it easy!  Check out our article on Tips to Inventory your House.  How does this lower risk?  In the event of a claim, you will have record of everything in your house, ensuring you are paid accurately and completely by the insurance company.

 

 

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Intimidated by insurance?  You’re not alone.  Next to car buying, it is perhaps one of the most painful purchases you’ll make.  And why is that?  Because the average consumer doesn’t understand insurance and therefore, distrusts the process.  But it doesn’t have to be. 

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