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Your Guide To Personal Insurance For 2021

When was the last time you reviewed your insurance coverage? The start of a New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans? Call our office today, and we can help you find the right combination of coverage and price.

Insurance “To Do” List:

General or Personal Items

  • Review my insurance to make sure I have the right coverage

  • Take the time to read my insurance policies

  • Does my agent have all my correct information, including new phone number, address, and newly purchased property?

  • Make sure I have identity theft insurance

  • Do I have enough life insurance?

  • Do I need life insurance for my spouse?

Auto Insurance

  • Check my credit score

  • Consider increasing my auto deductibles on my older vehicles


  • Get a quote for earthquake or flood insurance

  • Combine my auto and home insurance to save money

  • Complete a home inventory to ensure my property values are correct

  • Consider purchasing or increasing my umbrella coverage


  • Consider an alarm system

  • Clean my gutters

  • Have I replaced all the batteries in my smoke detectors?

Have I experienced any of these changes?

  • Bought a new car or sold a car

  • Changed your marital status

  • Bought a boat, RV or ATV

  • Change of address

  • Started a home business

  • Remote working in 2021

  • Welcomed a new baby into the family

  • Received a major inheritance

  • Have a new teen driver in the family

  • New purchases of guns, jewelry or art

  • Purchased second home

Please call our office today if you need to make any changes in your insurance program.

We all want to save money, especially on our home insurance. However, you must know how to get a good rate without compromising on coverage. By talking to us and discussing the coverages needed for your home, you will be able to receive the best possible combination of coverage, price and service.

Shepard Insurance Agency understands that your property is a very important part of your life. In fact, the single biggest investment you may ever make is your home. Are you sure you have adequately protected your home and other properties?

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