{"id":142,"date":"2014-01-06T15:40:55","date_gmt":"2014-01-06T20:40:55","guid":{"rendered":"http:\/\/www.thefloridainsuranceblog.com\/?p=142"},"modified":"2026-04-16T22:38:10","modified_gmt":"2026-04-17T02:38:10","slug":"re-evaluating-your-current-insurance-policies","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2014\/re-evaluating-your-current-insurance-policies\/","title":{"rendered":"Re-Evaluating Your Current Insurance Policies"},"content":{"rendered":"<p dir=\"ltr\">It\u2019s hard to believe a new year is already here and with each passing year, life brings its changes. It is crucial to have an insurance policy that reflects your current lifestyle and needs. \u201cInsurance policies should be reviewed annually to guarantee you and your family have adequate coverage,\u201d says <a href=\"http:\/\/www.greatflorida.com\/\" target=\"_blank\" title=\"Florida's Homeowners Insurance Agency\"><\/a><a _blank=\"\" href=\"https:\/\/www.linkedin.com\/in\/dustyns\/\" rel=\"nofollow noopener\" target=\"_blank\">Dustyn Shroff<\/a>, Vice President of GreatFlorida Insurance.<\/p>\n<p>The beginning of the year is an ideal time to re-evaluate your current insurance policies. Having the right coverage for life\u2019s unforeseen events will bring you comfort and conducting a quick review, could save you money in the new year.<\/p>\n<h2><a href=\"http:\/\/www.greatflorida.com\/floridahomeownersinsurancefaq.aspx\" title=\"Florida Homeowners Insurance\">Homeowner\u2019s Insurance Policy<\/a><\/h2>\n<figure aria-describedby=\"caption-attachment-145\" class=\"wp-caption alignright\" id=\"attachment_145\" style=\"width: 199px\"><a href=\"http:\/\/www.greatflorida.com\/\"><img alt=\"Florida Homeowners Insurance\" class=\"size-full wp-image-145 lazyload\" data-src=\"http:\/\/www.thefloridainsuranceblog.com\/wp-content\/uploads\/2014\/01\/Screen-Shot-2014-01-06-at-3.30.54-PM.png\" decoding=\"async\" height=\"206\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 199px; --smush-placeholder-aspect-ratio: 199\/206;\" width=\"199\"\/><\/a><figcaption class=\"wp-caption-text\" id=\"caption-attachment-145\">You can save money by combining your Auto &amp; Homeowners Insurance with GreatFlorida Insurance.<\/figcaption><\/figure>\n<p dir=\"ltr\">\u201cA homeowner\u2019s insurance policy should cover the current cost to rebuild your home as well as replace your possessions,\u201d says Buck.<\/p>\n<ul>\n<li dir=\"ltr\">\n<p dir=\"ltr\">Some home renovations such as an updated roof, the addition of hurricane shutters or impact windows, as well as modernizing the home\u2019s electrical and plumbing can qualify you for a reduction to your premium.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">The installation of a monitored alarm system, smoke detectors, fire extinguishers, a sprinkler system, as well as the addition of deadbolt locks can also save you money.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">Maintaining good credit could qualify you for an additional savings program with your insurer.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">You might want additional coverage if you have acquired a valuable piece or art, antique furniture, jewelry or other costly belonging.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">If you have added a swimming pool additional coverage could be required, check with your agent.<\/p>\n<\/li>\n<\/ul>\n<h2 dir=\"ltr\"><a href=\"http:\/\/www.greatflorida.com\/floridaautoinsurancefaq.aspx\" title=\"Florida Auto Insurance\">Auto Insurance Policy<\/a><\/h2>\n<ul>\n<li dir=\"ltr\">\n<p dir=\"ltr\">Have you added a new driver to your policy or gotten married or divorced?<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">If a driver on your policy has increased traveling you might consider adding emergency roadside assistance to your policy.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">The installation of a safety or anti-theft device could save you money.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">If someone in your household has recently attended a driver\u2019s education class or your vehicles have been accident free, most insurance companies will qualify you for a discount. Inquire about other new \u201cgood driver\u201d programs your insurance company offers.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">A new car or teen driver could have you wanting to increase comprehensive and collision.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">Once you have paid your vehicle off you may want to consider dropping collision to save money.<\/p>\n<\/li>\n<\/ul>\n<h2 dir=\"ltr\"><a href=\"http:\/\/www.greatflorida.com\/floridarentersinsurancefaq.aspx\" title=\"Florida Renters Insurance\">Renter\u2019s Insurance<\/a><\/h2>\n<p><a href=\"http:\/\/www.greatflorida.com\/\"><img alt=\"Florida Renters Insurance\" class=\"wp-image-147 alignright lazyload\" data-src=\"http:\/\/www.thefloridainsuranceblog.com\/wp-content\/uploads\/2014\/01\/Screen-Shot-2014-01-06-at-3.33.46-PM1.png\" decoding=\"async\" height=\"163\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 211px; --smush-placeholder-aspect-ratio: 211\/163;\" width=\"211\"\/><\/a><\/p>\n<p dir=\"ltr\">\u201cWhile the landlord may have <a href=\"https:\/\/www.greatflorida.com\/florida-homeowners-insurance\">home insurance<\/a> covering the structure, your personal belongings are not covered unless you have a renter\u2019s insurance policy in place,\u201d says Buck. It is wise to get a renter\u2019s insurance policy. Renter\u2019s insurance usually runs about $30 a month and covers appliances, electronics, clothes, shoes, jewelry, purses, furniture and entertainment equipment. These items can be very costly to replace.<\/p>\n<ul>\n<li dir=\"ltr\">\n<p dir=\"ltr\">A security system, smoke alarm, sprinkler system or deadbolt locks on exterior doors could make you eligible for a discount.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">Some counties require policy coverage for select breeds of pets, check with your <a href=\"https:\/\/www.greatflorida.com\/florida-insurance-agent-search\">insurance agent<\/a> to see if your renter\u2019s insurance policy covers your pet.<\/p>\n<\/li>\n<\/ul>\n<h2 dir=\"ltr\"><a href=\"http:\/\/www.greatflorida.com\/floridaboatinsurancefaq.aspx\" title=\"Florida Boat Insurance\">Boat Insurance<\/a><\/h2>\n<p><a href=\"http:\/\/www.greatflorida.com\/\"><img alt=\"Florida Boat Insurance\" class=\"wp-image-149 alignright lazyload\" data-sizes=\"(max-width: 198px) 100vw, 198px\" data-src=\"http:\/\/www.thefloridainsuranceblog.com\/wp-content\/uploads\/2014\/01\/Boat-Insurance.jpg\" data-srcset=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2014\/01\/Boat-Insurance.jpg 550w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2014\/01\/Boat-Insurance-300x187.jpg 300w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2014\/01\/Boat-Insurance-150x94.jpg 150w\" decoding=\"async\" height=\"124\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 198px; --smush-placeholder-aspect-ratio: 198\/124;\" width=\"198\" srcset=\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2014\/01\/Boat-Insurance.jpg 550w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2014\/01\/Boat-Insurance-300x187.jpg 300w, https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2014\/01\/Boat-Insurance-150x94.jpg 150w\" sizes=\"(max-width: 198px) 100vw, 198px\" \/><\/a><\/p>\n<ul>\n<li dir=\"ltr\">\n<p dir=\"ltr\">You might want to consider purchasing additional coverage if you have recently purchased fishing or diving equipment.<\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\">If you are towing your boat more often, make sure you have comprehensive and collision in case your boat is involved in an accident out of the water.<\/p>\n<\/li>\n<\/ul>\n<p><a href=\"http:\/\/www.greatflorida.com\/\" title=\"Florida Insurance Agency\">GreatFlorida Insurance<\/a> is a network of over 100 independent insurance agents serving Florida. Our agents can help answer questions you may have about changes to your current insurance policy and show you how to save while getting the policy that is just right for you. We are available 24\/7 to serve your needs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s hard to believe a new year is already here and with each passing year, life brings its changes. It is crucial to have an insurance policy that reflects your current lifestyle and needs. \u201cInsurance policies should be reviewed annually to guarantee you and your family have adequate coverage,\u201d says Dustyn Shroff, Vice President of [&hellip;]<\/p>\n","protected":false},"author":1219,"featured_media":145,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[3,4,1,10,5,7,8],"tags":[],"class_list":{"0":"post-142","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-auto-insurance","8":"category-boat-insurance","9":"category-floridainsurance","10":"category-florida-insurance-industry","11":"category-homeowners-insurance","12":"category-motorcycle-insurance","13":"category-renters-insurance"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/users\/1219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/comments?post=142"}],"version-history":[{"count":1,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/142\/revisions"}],"predecessor-version":[{"id":14011,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/142\/revisions\/14011"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media\/145"}],"wp:attachment":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media?parent=142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/categories?post=142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/tags?post=142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}