The holiday season brings travel plans, family gatherings, colder weather, and busy schedules. As you prepare for the weeks ahead, add one important item to your checklist: reviewing your auto and home insurance coverage.
For military families, Veterans, and Federal employees, life changes such as relocating, purchasing a home, or adding a driver to the household can affect insurance needs throughout the year. Even if your circumstances haven’t changed, reviewing your policies before the holidays can help you better understand your coverage and identify potential savings opportunities.
Why review your auto and home insurance before the holidays?
Insurance needs can change over time, and the coverage you selected a few years ago may no longer reflect your current circumstances.
An annual review provides an opportunity to evaluate your coverage limits, deductibles, and available discounts before an unexpected event occurs.
As you prepare for the holiday season, consider these questions:
- Has your household changed? Adding a new driver or vehicle, changing your commute, or relocating may affect your auto insurance needs.
- Have you made home improvements or major purchases? Renovations and valuable belongings may warrant a review of your homeowners or renters insurance.
- Are you prepared for winter weather? Review your policies to understand what coverage may be available for weather-related damage, roadside emergencies, and other seasonal risks.
- Have your driving habits changed? Changes in annual mileage, commuting, or vehicle use may affect your insurance needs or available discounts.
- Are you taking advantage of available discounts? Multi-policy discounts, automatic payments, and other qualifying factors may provide opportunities to save.
What should you compare when reviewing insurance policies?
Price is an important consideration when evaluating auto and home insurance, but it shouldn’t be the only factor.
Before comparing quotes, take a closer look at your current policies and consider the following:
- Coverage limits: Are your current limits appropriate for your vehicles, property, and financial circumstances?
- Deductibles: How much would you be responsible for paying out of pocket if you filed a covered claim?
- Coverage options: Do your policies include the protection you need, such as comprehensive and collision coverage, roadside assistance, or personal property coverage?
- Exclusions and limitations: Are there situations, types of damage, or belongings that your policies may not cover?
- Available discounts: Could you qualify for savings based on multiple policies, driving history, or other eligibility factors?
A lower premium doesn’t necessarily mean two policies provide the same protection. Comparing similar coverage limits, deductibles, and features can help you make a more informed decision.
Explore auto and home insurance benefits available to USBA Members
Members of The Uniformed Services Benefit Association® (USBA®) have access to valuable benefits and offers beyond group life insurance.
Through Farmers GroupSelect® Auto and Home Insurance, eligible USBA Members can explore insurance options with special group discounts.
Available coverage options include auto, homeowners, condo, and renters insurance. Members can also inquire about personal excess liability, boat, recreational vehicle, and motorcycle insurance.
Depending on eligibility, state, and product, additional program features and discounts may include:
- Automatic payment discounts
- Multi-policy discounts
- Claim-free driving rewards
- Towing and roadside assistance coverage
- Guaranteed Auto Repair Program
- Contractor referral network for home repairs
If you haven’t reviewed your insurance recently, requesting a quote can help you compare available coverage options and determine whether Farmers GroupSelect may be a good fit for your needs.
You don’t have to wait until your current policy expires to switch providers. If you decide to make a change, coordinate your new policy’s effective date with the cancellation of your existing coverage to help avoid a gap in protection.
Make an insurance review part of your holiday preparations
Whether you’re traveling to visit family, preparing your home for winter or reviewing your household expenses before the new year, taking time to evaluate your insurance coverage can be a worthwhile step.
An annual review can help you understand your current protection, identify needed changes, and explore available options before an unexpected event occurs.
USBA Members can learn more about Farmers GroupSelect Auto and Home Insurance and request a quote through the USBA Member benefits page.
Program information provided by the following specific insurers seeking to obtain insurance business underwritten by Farmers Property and Casualty Insurance Company and certain of its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, or Farmers Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. List of licenses at farmers.com/companies/state/. Coverage, rates, discounts and policy features vary by state and product and are available in most states to those who qualify. 8939986.1
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