10 Dec 2015 is Just Around the Corner. Have you Had any Life Changes in 2014?

It is almost the end of the year and in just a few short weeks it will be 2015. For some of us that means it is time to renew our insurance policies. The end of the year is always very stressful and the last thing we want to think about is renewing insurance policies. Different changes can affect the policies that you have. With these four tips to consider it will make things much easier and you will have a great start to the new year.
1. Make sure your policy is accurate: Insurance policies need to be updated like auto, home, business, life, etc. Without an up to date policy you are not receiving the proper coverage you need. In case of an accident or emergency it is always beneficial to know what coverage you have and if it is effective or not.
2. Life Changes: In 2014 if you have experienced any life changes such as marriage, divorce or new baby then your policy has changed. Accommodate your new lifestyle with an accurate policy.
3. Cyber Liability: It is becoming an increased concerned dealing with the threat of hackers. If a hacker were to hack into a personal or business account, it would be a disaster. Cyber insurance can cover computer data and identity theft. This is extremely important because many of us store important information on our computers.
4. Remodeling and Efficiency Upgrades: Home or business improvements can me an increase in your insurance policy. Talk to your insurance agent ahead of time and see what type of coverage increases you may be facing. For example, adding a pool increases energy costs therefore raising homeowners insurance.

Call Spivey Insurance Group today at 704-821-4460 to speak with an agent to see what coverage best fits your needs for 2015. Visit us online and stay connected through Facebook, Twitter, and Google Plus.