Insurance protection is an important purchase that you hope you never have to use.  Even so, it is worth taking the time to get it right because the coverage you choose can make all the difference in the event that you might need to file a claim.

The knowledge an expertise of an independent insurance agent can help you choose quality protection that is tailored to your unique needs.  An independent agent can explain the complexities so that you can better understand what is covered and enjoy more peace of mind.

Here is what you might need…

• Updated auto and home protection:  as your life changes, it is a good idea to revisit your existing policies to see if they are still keeping up with your needs.  Plus, by combining policies with one insurance company, you may be able to save up to 10% on auto and up to 15% on homeowners insurance when you purchase both from Travelers.  
• Extra liability coverage:  these days anyone can get sued.  An umbrella policy offers an added layer of liability protection that can help you in the event of a costly lawsuit.  You may even be surprised at how affordable an umbrella policy can be.
• A valuables policy:  standard homeowners protection generally does not adequately cover high-end valuables such as fine china, jewelry, and collectibles.  To avoid putting any of these important assets you have worked hard to obtain at risk, an independent insurance agent can help you protect these items.

The next step is to call your local independent agent for a brief conversation.  Together, review your needs.  An independent insurance agent can help you find available discounts and offer valuable coverage comparisons from multiple carriers to see which one will work best for you.  Remember that no question is ever too basic or complex.

For more information, visit http://www.sbjwinsurance.us and http://www.travelers.com.