October is Financial Planning Month, and we want you to know how important your insurance agent is to this plan.
Your insurance agent is a smart cookie, seriously, especially if they are an independent rather than a captive agent. Captive agents can only sell you the insurance policies that their company offers; State Farm and Geico are examples of captive agencies. Independent agents write policies with MANY different companies. That ensures that you have coverage that can be customized to fit your individual needs.
1- Life Insurance. This one is obvious. Planning for your family’s future MUST include Life Insurance. Want to make sure that your family can continue to thrive and survive after you are gone? Call us for a stressfree Life Insurance quote.
2- Homeowners Insurance – If you have a mortgage, you have to have Homeowners coverage, but when was the last time you had it checked out? Upgrades to the home change the cost of what it takes to rebuild it if your house becomes damaged. You may have updated your kitchen with a natural stone flooring, but your homeowner’s policy was written way back when you had linoleum, and that’s what they are going to pay to replace.
3- Renters Insurance. Your Landlord’s insurance does not cover your couch or your laptop. Renters Insurance is surprisingly inexpensive, and most companies will discount your car insurance if you purchase both policies. Total win/win and smart financial planning.
4- Disability Income Insurance. Should you become injured or ill and unable to return to work, this policy has your back.
For more ways your independent insurance agent can help you plan for your financial future, give us a call. 845-778-2141. Hudson Valley Agents has 30+ insurance companies to work with, 30 years in the business, and outstanding Google reviews! Find out what a difference an Independent Insurance Agent can make, call, click, or stop by and say Hi.