Know the risks of the road.

Accidents happen to even the most careful drivers. That’s why you have to take great care in selecting your auto insurance. You know the best protection starts with having an insurance broker who will evaluate your needs, help you understand the options available to you, and then match you with the right coverage at a competitive price.

That broker should also be skilled in managing all of your service needs, including changes to policies, claims and coverage inquires.

Be certain you have the coverage you need.

Your home is probably the largest purchase you’ll ever make. And it’s not just an investment — it’s the hub of your family’s everyday life. That’s why you need to protect your home against fire, floods or other disasters — threats that can change everything in the blink of an eye.

When something happens to your home or your family’s possessions, the distress can be overwhelming. The last thing you want to worry about is how you’ll replace what’s been lost.

Be certain you’re protected.

Many condo and co-op unit owners mistakenly assume that their building’s master insurance policy covers them fully — and that can lead to big problems. In addition to securing your own insurance coverage, you need to be aware of any changes to your association’s master policy, so you can avoid coverage gaps.

Also, if you or the prior owner of your condo or co-op installed permanent upgrades, such as wall coverings or cabinetry, or renovated the kitchen or bathroom, you may no longer be covered by your association’s insurance policy.

When buying into a newly constructed building, you need to consult with the contractor about potential renovation costs. Then, speak to your broker before any work begins. It’s always best to identify any issues that could make it difficult for you to get the insurance coverage you need before it’s too late.