October Home Maintenance Tasks

Every month, we share easy tasks you can do to keep your home in tip-top shape all

year long. So here are a few simple tasks you can take on in October!

Pack Away The Air Conditioner - If you use a seasonal air conditioning unit, then now

is the time to pack it up for winter! Make sure to spend a few extra minutes cleaning all

the filters and coils well. It will keep the unit in great shape and it will last much longer.

Winterize External Plumbing Systems - It's much better to prepare for freezing

temperatures before it's freezing! Winterize all exposed outdoor pipes and you'll avoid

the trouble when there is snow or ice on the ground.

Check Your Carbon Monoxide Detector - This is an important one! October is a great

time to check your carbon monoxide detector to make sure it is performing well.

Change the batteries, test it, and replace older units.

Clean Up For Halloween - Trick-or-treating can be a liability hazard! Clean up any

loose tree limbs, fill holes in the yard, and remove any fire hazard Halloween decorations before kids are running to your door.

Save on Home Insurance - Homeowners Insurance is an important part of protecting your belongings. To make sure you have the best coverage, call us today at 703 556 7857 for a free, no obligation quote.

Photo courtesy of FREEDIGITALPHOTOS.NET
PLEASE CHECK OUT OUR WEBSITE AT www.fowlkesinsurancesrvc.com

Insurance for Your Wedding Rings

Did you know that June is the most popular month for weddings? 

I’ve seen many of my clients planning weddings over the next few weeks.  So I thought I’d share an insurance tip this week just for engaged couples and newlyweds.

You’re spending a lot of money on your wedding and those new rings.  Make sure they’re covered! 

Jewelry is covered under your Homeowners or Renters insurance.  But the coverage amount can be limited.   If you don’t cover the individual piece of jewelry specifically, you might not have enough insurance if it were to be lost or stolen.

Here’s what I recommend.  Get an appraisal of your rings from the jeweler.  Then bring in a copy and we’ll add the rings to your policy.  (We can also discuss deductibles or special coverage.)  Depending on the value of the ring, you might spend only a few dollars a year to know that your valuable jewelry is insured.

If you are renting or getting ready to purchase a home and don’t have a policy, now is a great time to schedule a free consultation to discuss what coverage you’ll need and give you a ballpark figure for what it will cost.  Renters Insurance is very inexpensive and can give you a lot of peace of mind as you combine your two households.

But the best tip I can give?  Get a local insurance agent you can trust!  We’ll look out for you and help you get the right coverage at an affordable rate.  Call today for a free quote today at 703-556-7857.

Please check out our website at www.fowlkesinsurancesrvc.com
Photo courtesy of FREEDIGITALPHOTOS.net

What is Transportation Expense (And Do You Really Need It)?

As you look through your auto policy documents, you might have seen a coverage called Transportation Expense.  What is this?  And do you REALLY need it? 

Basically Transportation Expense is there to help you when your car is unavailable due to a covered claim. 

Let’s say that you had a fender bender and your car is in the shop for a few days getting a new bumper.  Or after a major storm, you’ve got hail damage that needs to be repaired.

While the car is being repaired, what will you drive? 

That’s where Transportation Expense comes into play.  With this coverage, the insurance company will pay a certain amount per day (based on your policy) towards a rental car.  That way, you’re not inconvenienced while the repairs are being made. 

We highly recommend that you have this coverage, however there are a few situations where it might not be necessary.

If you own multiple vehicles and could easily drive another while your car is in the shop, you may not need rental coverage.  And if you rarely drive your vehicle, don’t have a job that requires you to drive daily, and could easily stay home for a week and walk where you need to go, you may not need rental coverage either.

If you’re not sure what’s best for you, then give us a call at 703-556-7857 to discuss exactly how much the coverage will cost you each month and what different levels are available.  We look forward to helping you choose the right insurance coverage!



Please check out our website at www.fowlkesinsurancesrvc.com

Image courtesy of Ambro at FreeDigitalPhotos.net

What College Graduates Need to Know About Auto Insurance

You’ve proudly watched your child graduate from college (and celebrated the last of the tuition bills!)  Now they’re searching for their first “real” job and ready for a new phase of life.  

This is what you and your new grad need to know about their insurance.

First, in most situations, they can remain on your auto insurance policy as long as they are living in your household.  If they’ve moved back home while job hunting, you can keep them on the policy.

But once they move out, it’s time to look at other options.  Some of this will depend on who is the owner of the car and if you’re living in the same state.  The best option is to talk to one of our agents to discuss your particular situation in detail.

Remember, regular on-time insurance payments can help establish credit history and serve as a reference when renting an apartment. 

If your graduate is moving out on their own, you’ll also want to get some information on Renters Insurance.  It will protect their belongings and protect you from any liability for damage they might cause to a residence (even if it’s just an accident, like a small kitchen fire.)  In most cases, a parent is a co-signer for a lease and needs to make sure this protection is in place. 

The end of college marks some big transitions into adulthood.  Help your new graduate to make smart financial decisions and establish a great start.  We can help!  Schedule a personal review and quote today. Call us at 703-556-7857.

Please don't forget to check out our website at www.fowlkesinsurancesrvc.com

Image courtesy of David Castillo Dominici at FreeDigitalPhotos.net

The Biggest Risk to Your Home (and how to prevent it)

Most people think the biggest risk to their home is a fire or a bad storm.  It’s why they buy insurance (and the fact it’s required by their mortgage lender). 

But in reality, the biggest concern is protecting your assets from a liability claim.  Consider this...

Warm weather has arrived and everyone is beginning their yard work. Mowing, planting

flowers, and digging those vegetable gardens. There is a lot of work to be done.

So let's say that you dig a large hole in the front yard so you can plant a new tree. You

walk away for a moment and while you're gone the kid next door runs through the yard,

falls in the hole, and breaks his ankle.

Unfortunately, you could be held responsible for his injury. But not to worry, your homeowner's liability insurance is made for these kind of situations. It will pay if someone is injured on your property. It's also the coverage that protects you if the dog bites your child's friend (as long as it's not a restricted breed) or if your cousin falls down your front steps.

If you have a large number of assets, then you'll want higher liability coverage. If the

injury exceeds your liability coverage amount, then you could be sued for the difference.

Work with us to determine the amount of coverage that you are comfortable

carrying.

No one can protect themselves by just being careful alone. There are too many

possible scenarios that you could never avoid. But with the right insurance coverage,

you'll never have to worry.

Call us today at 703-556-7857 for a free review and to discuss how much liability coverage you need. 

Please don't forget to check out our website at www.fowlkesinsurancesrvc.com

Insuring Your RV, Boats, & Summer Fun

Summer is on its way.  Before we know it there will be Memorial Day barbecues and long weekends at the lake. 

That's why now is a great time to review insurance coverage on all of your summer toys.  Read below for things to consider (and review with us) before the big items come out of winter storage.

RV - Your motorhome or travel trailer needs insurance coverage, especially if you'll be driving or pulling it this year.  Even if you don't have a loan on your RV, you will want it covered for theft or damage.  Whether they are parked on a lake lot for the season or driving cross country, we offer several RV policies to fit your needs.  Just call us for a quote.

Boat - The same thing goes for your boats and jet skis.  You've made a big investment and it's important to protect them.  Not only should you worry about damage to your boat, but also make sure you have the proper amount of liability coverage.  Don’t forget your life jackets! 

Motorcycle - Ready to hit the road for a long drive?  Remember to brush up on your safety skills and always wear a helmet.  Don’t forget to make sure your motorcycle has liability coverage just like your vehicle!  We can help you determine what coverage you need.  

Swimming Pool - If you own a pool, then you need extra liability coverage including a Personal Umbrella Policy.  Why?  Because there is a lot more risk of someone being injured when you have a pool.  Don’t skimp on your coverage and make sure you have the pool area secured and safe. 

Summer is a lot more fun when you know that your high price recreational items are properly insured and protected.  Take 15 minutes to call us at 703-556-7857 for a quote or to review your current coverage. 

Please don't forget to check out our website at www.fowlkesinsurancesrvc.com

INSURANCE FOR YOUR BOAT

It won’t be long now before you’re back out on the water.  Are you counting down the days? 

While everyone loves to hit the lake on the boat, there are a few things you need to take care of first.

Are you properly covered?

Since boat insurance isn’t required (in most states), a lot of people skip it in order to save money.  But that’s a very risky idea! 

First, without coverage, you’re risking all the money you spent on your boat.  Would you drive your expensive car without insurance?  Probably not! 

Second, boats are a liability exposure.  That means that they open you up to lawsuits.  If you were to have an accident and damage someone’s boat or personal property, then you could be held responsible.

With the proper insurance coverage, this wouldn’t be a problem.  You’d be protected!  In fact, we typically recommend that clients with a high level of assets purchase extra liability coverage if they own a boat. 

All in all, purchasing boat owners insurance is a simple way to give yourself a lot of peace of mind.  Who wants to worry about insurance when they’re out on the water?  Call us today (703-556-7857) for a free quote on your boat or watercraft.  

Please check out our website at www.fowlkesinsurancesrvc.com

5 WAYS TO SAVE ON AUTO INSURANCE

Are you tired of paying too much for auto insurance?  No one wants to pay more than they have to! That’s why it’s important to know what savings and discounts are available.  Here are a few things to discuss with your agent at your next review.

Is Your Driving Record Accurate?

Tickets, accidents, and claims will raise your rates! That’s why it’s important to make sure your motor vehicle report is accurate.  Ask your agent if anything showed on your record and make sure that the information is correct.  

Take A Defensive Driving Class

Have you taken a defensive driving course in the past?  Let us know.  You may qualify for a discount!  

Good Student Grades

Students with good grades qualify for a discount.

Increase Your Deductibles

The deductible is the amount you pay out of pocket after an accident (or for hail damage, etc.)

The higher that out-of-pocket amount, the lower your monthly premium!  

So if you are currently carrying $100 or $250 deductibles, consider raising them to $500 and keeping a little extra in your savings account.  You could save a lot each month while still being protected from any major damage.  We can give you prices for a range of deductibles to help you decide.

Find The Best Payment Options

Depending on your individual policy, we may be able to offer various discounts for paying your policy premium in full or putting it on a monthly bank draft.

While $3-4 a month might not seem like much, over time it really adds up!  Ask us about payment options for your policy and see where you can save.

Keep Your Insurance In One Place

Keeping your insurance in one place qualifies you for multi policy discounts.

Please check out our website at www.fowlkesinsurancesrvc.com

APRIL HOME MAINTENANCE TASKS

April has arrived and brought spring with it!  There is no better time than now to get focused on home maintenance and spring cleaning.  Here are a few things you can do in April to protect (and organize) your home. 

Check For Damage - Winter can be really hard on your home.  A quick inspection around your property can reveal a lot of home improvement projects!  Look for any damage to your roof or outdoor window screens and doors.  Make note of chipped paint or areas that are in need of general maintenance.  Decide what you can do yourself and what will require a professional. 

Spring Clean - Now it’s time to tackle the inside of your home.  Start working on clearing out and donating unused items (think tax deduction next year!)  This could be the perfect time to take inventory of any high value items that need to be documented for your insurance, like guns, artwork, and jewelry.  Take photos or make a quick video of those items and store it in a secure (and fire-proof) location. You can also store your photos in our digital locker.  Check out the website at www.digitallocker.com.

Organize Your Tax Documents - You probably just finished your taxes in the past few weeks.  Were all of your documents easy to locate?  What could make the process even easier next year?  Update your filing system or schedule a meeting with your accountant and get prepared now.

Car Maintenance - April is Car Care Month.  If you’ve been putting off an oil change or a tune-up, get it scheduled now.  Your car will run better and maintain it’s value longer!

Spruce Up Your Porch - How does your front porch look these days?  Could it use a little extra care?  Buy a new welcome mat, plant a pot of flowers, and make sure you can easily read your house numbers. 

Get Great Homeowners Insurance - The best way to protect your home?  Having the right amount of insurance!  Let us give you a no-obligation review of your current policy.  Call (703-556-7857)to schedule your appointment today.

Please check out our website at www.fowlkesinsurancesrvc.com

Top 7 Things To Look For When Buying Insurance

So you’re ready to shop for insurance and are hoping for a great deal.  But did you know that there are a few things to look for that are much more important than the price of the policy? In fact, don’t buy your next policy until you look for these seven things.

#1 - A Top Rated Insurance Company - You want an insurance company that will be around if you have a claim.  Don’t choose a company that you’ve never heard of with a price that seems too good to be true!  If you aren’t familiar with the company your agent is recommending, ask for a little more information.  Find out what they are rated in your state and how long they’ve been around.

#2 - Choose a LOCAL agency!  While all the commercials on TV will tell you to call a 1-800 number for a quote, it’s usually not a great idea.  A local agency gives the same great policies (from the same companies!) but allows you to deal with one person on a regular basis. It’s nice to have a local agent who you can go visit when needed.

#3 - Choose an agency that offers a variety of policies.  Keeping your insurance with one agency makes it MUCH easier when you have a claim.  Plus you can qualify for huge multiple policy discounts!  Find someone who can take care of all your needs in one local location.

#4 - After-Hours Support - What if you have storm damage in the middle of the night?  Do you want to wait until tomorrow to get assistance?  Look for an agency that offers after-hours support!  Many local agencies will provide you with 24/7 claim assistance numbers.  But make sure to ask for the information and keep it in your cell phone.

#5 - Choose an agency that’s EASY to contact!  You don’t want to have to chase your agent down every time you need something.  Ask if the agency is available by email, text, and phone while doing your shopping.

#6 - Do they offer annual reviews?  Things change, especially when it comes to insurance!  You want an agency that will regularly meet with you to review your coverage and make sure you’re protected.  Ask about their review procedures and how they make sure there aren’t any gaps in your protection.

#7 - Excellent Customer Service - When it comes down to it, this is the most important!  Choose an agency that wants your business and wants to give you the best possible service!  

We meet all of the criteria above and would love to work with your family.  Give us a call today at 703-556-7857 for a no-obligation quote and insurance review! 

Please check out our website at www.fowlkesinsurancesrvc.com

Discounts....Are You Getting Them?

Discounts are the best way to save on your insurance premium each and every month.  But a lot of people are missing out on them!  With a little documentation, you could see great savings.

Security Discounts - Does your home have a security system or fire protection system?  Some of these devices will help you save big on your home or renters insurance.  If you have a certificate of installation (and even if you don’t), let us know and we’ll see if you qualify.

Over 55 Defensive Driving - Did you take a Defensive Driving course?  This class will typically qualify for discounts!  Just bring in a copy of your completion certificate and we’ll get it added to your policy.

Teenage Driver With Good Grades - Good grades will help you save!  Some of our policies offer a discount for students who maintain a high GPA.  Give us a call to see the requirements for your policy. 

Payment Discounts - There are many different options when it comes to paying your premiums.  Some policies offer discounts for paying in full or a reduced installment fee if you put the payment on auto-draft.  We can advise you of all the payment options so you pay as little as possible.

If you have any questions regarding discounts please call us 703-556-7857.

Please don't forget to visit our website at www.fowlkesinsurancesrvc.com

Protect Your Family During Severe Weather

Did you know that March is Severe Weather Preparation Month? 

While it may still feel like winter outside, it won’t be long until spring arrives.  And with it comes spring storms!  Is your family prepared?

First things first, make sure you have designated a safe place to go to if the weather gets bad.  It could be a basement, closet, or room with no windows or outside walls.  Make sure this space is cleared out enough that you could easily get your family inside if needed.  (You don’t want to be clearing out the closet if there is a tornado!)

Next, put together a small emergency kit.  What would you need if the power was out?  Consider putting in flashlights, extra batteries, canned food, and plenty of water.  (Don’t forget supplies for your pets too!)

Keep emergency phone numbers in your cell phone contacts, including the phone number for your insurance company!  You could even save a note in your phone with your policy numbers too.

While we can’t prevent bad weather, it’s always great to be as prepared as possible.  Take care of your family first and know that we’ll be there to protect your belongings. 

NOTE -

Did you spring your clocks forward yesterday?  If so, take just a minute to test your smoke detectors and replace the batteries too!  Please check out our website at www.fowlkesinsurancesrvc.com

March Home Maintenance Tips

What do you need to do this month to keep your home running smoothly and your family protected?  Read below to find out! 

Change Batteries In Smoke Detectors - When the time changes, it’s a great idea to change the batteries in all smoke and carbon monoxide detectors.  This way you always know that they are working and in good order!  The spring time change this year is on Sunday March 8th. 

Make A Severe Weather Plan - Designate a safe place in your home in case of bad weather.  Stock it with basic emergency supplies and throw in an extra flashlight and batteries too!

Check Your Credit Report - March is Credit Education Month.  When was the last time you checked to see that your credit reports were accurate?  If it’s been over a year, stop by www.annualcreditreport.com and order a free copy today. 

Review Your Insurance Discounts - Are you getting all the discounts you qualify for?  Call us to review your policy and see if there are any changes that need to be made.

And as always, give us a call if you have any questions or need assistance with auto, home, business, or life insurance.

NOTE:

Do you have your insurance information stored on your cell phone?  If you were to have an accident or a weather related claim, it’s great to have the claims phone number saved in your contacts!

Please check out our website at www.fowlkesinsurancesrvc.com

How to Insure New Jewelry

Valentines and proposals are in the air! And this means that you might find yourself with a new diamond ring or expensive piece of jewelry in your home. Many people spend thousands of dollars on beautiful jewelry but don’t take the time to find out how to insure it. And this can be a big mistake! If you have homeowners or renters insurance, then your jewelry is covered as part of the contents of your home. But there can be problems...

1. We don’t know what it is worth. It’s hard to get the full value of your jewelry back if you don’t know all of the specifics! Weight, color, cut, size, and so forth are all factors in the value. Ten years from now you might not even remember how much you paid.
2. You probably have a large deductible on your homeowners insurance. Typically your contents coverage deductible is around 1% of your home value. So if your home is insured for $200,000, then your deductible is $2,000. If your ring is stolen, you’d be responsible for the first $2,000 before insurance kicked in!

But there is a simple solution to avoid all of these problems. Our homeowners and renters policies allow you to “schedule” jewelry for a small additional cost. You bring in the receipt and appraisal of the item and we add all of that information to your policy. (Sometimes we don’t need all of this, just call us first and we can let you know.) You will be charged based on the value of the item, but typically it’s less than $40 per year! (Sometimes much less, sometimes a little more. It all depends on how much insurance is required.) Plus, scheduled items don’t require a deductible. So if your ring is lost or stolen, you pay nothing out of pocket but get to replace your precious jewelry. So next time you open a jewelry box and put a sparkling diamond on your finger, make sure that you are insuring your investment. Have questions about scheduling items on your homeowners insurance? Call us today for assistance at 703-556-7857!

Please don't forget to check out our website at www.fowlkesinsurancesrvc.com

LIFE INSURANCE IS FOR THOSE YOU LOVE

A lot of people put off purchasing life insurance because it seems like a hassle. You don’t want to do any sort of medical appointment. It’s an extra expense. And, for the most part, you just plain don’t want to think about death. But life insurance isn’t about you. It’s about the people you love. And what better time than February to think about love! So let’s get real. You do a lot for your family and if you have family members who depend on your income, then you need life insurance. And the sooner, the better. For one, life insurance is cheaper when you are young and healthy! With each birthday you’ll see your quote go up unless you lock in a great rate now. And you don’t want to look for life insurance after you’ve been diagnosed with an illness. Another great thing about life insurance is that there are a lot of options. And we’re here to discuss all of them with you. You can purchase a policy for the short term or even as a long term investment. It all depends on how much you can afford to spend and what your family needs are. Whatever your situation, sitting down and discussing your needs and budget with an agent is a great first step. Call us today at 703-556-7857 to set up a free, no-obligation appointment!

Please visit our website at www.fowlkesinsurancesrvc.com

Ask Your Insurance Agent: Are Items In My Car Covered?

Today I’m answering a question I hear all the time - “Are my personal belongings covered if someone breaks into my car?” Unfortunately, they typically are NOT covered! Your auto insurance covers your car from damage and accidents, but not the items inside from theft. But there are still ways to protect yourself. First, and most obvious, avoid keeping highticket items in your car in the first place. This includes things like your laptop, iPad, purse, etc. If you’re out shopping, keep your doors locked and lock most items away in the trunk. But this isn’t always possible. And so you also want to make sure you’re covered by carrying Renters or Homeowners insurance for your personal belongings. These policies include a certain amount of coverage for property off premises. These are subject to your deductible so make sure to discuss with your agent to see what kind of coverage you have currently. With a little bit of prevention and great insurance, you’ve won’t have to worry about items being stolen from your car. Have questions? Give us a call at 703-556-7857 to discuss them anytime!

Please check out our website at www.fowlkesinsurancesrvc.com

Ask Your Insurance Agent - What is Liability Insurance?

Have you ever looked at your insurance policy and wondered just exactly what it is you
are paying for?

Everyone knows that they are legally required to carry liability insurance. But many
people don’t really understand what that means or how it works.
In simple terms, liability insurance pays to fix damage that you cause to someone else.
On your auto insurance policy, this is split into three pieces. Here is an example:
Bodily Injury: 50/100
Personal Property: 50
Let’s say that this was your coverage amount and you hit another car in an accident.
Your insurance would pay up to $50,000 per person for injuries up to a total cap of
$100,000. And it would pay up to $50,000 in property damage to fix the other car.
Remember, liability only covers the person that you hit. It doesn’t cover your vehicle or
anyone inside your car.
There are many different amounts of liability coverage. We work directly with our
clients to determine how much you need. This will vary based on factors like how many
assets you have, your income, and home value.
Not having enough liability insurance is one of the biggest financial mistakes you can
make! Carrying only the state minimum of 25/50/20, could leave you open to a
lawsuit. Think about those cars you’ve seen on the road worth easily over $40,000! If
you don’t have enough property damage coverage, then you are at risk.
There is also liability coverage on your homeowners or renters insurance. It pays if
someone is injured on your property due to your negligence. One common example is a
dog bite. This is another time when it’s good to have enough liability insurance!
Hopefully this clears up any questions you have about how liability insurance works. If
you need help determining the right amount of coverage for your family, give us a call
for a no obligation review and quote.

Please check out our website at www.fowlkesinsurancesrvc.com

JANUARY HOME MAINTENANCE

Here’s what’s on the list for January:
Make A Home Inventory - January is all about getting organized, right? So what better
time to document what you own in case you were to suffer a serious insurance loss (like a
fire). Grab your cell phone and make a short video of each room in your home, focusing
on big ticket items. Many times, it’s difficult for our clients to remember every little
possession after the shock of a large claim. You’ll be glad you took the time to make the
videos if you ever need them.
Deep Clean Your Dryer Vent - A large percentage of home fires begin in the clothes
dryer! Lint builds up in the vent and hose which can spark a fire. Unhook the hose and
vacuum the area well on a regular basis to keep your home protected.
Organize Your Warranties - Do you have a big pile of warranties, product documents,
and receipts stuffed in your desk drawer? Do you even own those items anymore? These
days, many owners manuals can be found online without taking up valuable drawer
storage. Also consider scanning and keeping a digital file of your receipts and warranties
for easy storage and retrieval if needed.
Check Your Circuit Breakers - How often do you actually look in the breaker box?
Open it up and make sure the labels are correct and readable. Also stash a spare
flashlight (with working batteries) close by in case of a power outage.
Gather Your Tax Documents - It won’t be long until you’re filing your 2014 taxes.
Start gathering up all the documents you or your accountant will need. Need a copy of
your insurance policies or premiums? Call us at 703-556-7857 and we’ll be happy to help!
Know Your Deductibles - When was the last time you reviewed your deductibles? This
is what you would pay out of pocket in the event of an insurance claim. It’s a good idea
to keep this amount in your savings account so it’s available when you need it. Feel free
to give us a call to review all of your insurance policies in detail.
January is a great time to get organized for the new year! Let us know if we can help in
any way!
Happy New Year!
Please don't forget to check out our website at www.fowlkesinsurancesrvc.com

YOUR INSURANCE RESOLUTIONS

2015 has arrived! And with it come resolutions and goals for a fresh start over the
coming months.
If one of your resolutions for this year was to get organized, then here are some tips on
how to get financially “fit” in 2015! At least as far as your insurance goes...

1. Set up a meeting with us! Each year, we like to do a policy review with every client.
We look at all of your policies and update your information. Insurance needs tend to
change with major life events so if you got married, had a baby, changed jobs, retired, or
anything else in 2014, you probably need a review. Many times you qualify for new
discounts or we can point out ways to help you save (like getting a multi-policy
discount!)
We can schedule this meeting over the phone or in the office, whichever is easier.
2. Get a life insurance quote. For some reason, life insurance is one of those things that
gets neglected. People know deep down that they need it, but often never get around to
actually purchasing any.
Many times you can get a basic term life insurance policy for $30 a month or less.
(Depending on age and health status, it varies for everyone!)
3. Organize your insurance documents. Keep a file with a copy of your current auto,
home, and life policies in one easy-to-find place. When your renewal comes in the mail,
you can throw out the old copies. Some people also like to keep a copy of their life
insurance with their attorney or in a fire safe. We can always help you get a copy if you
need it!
4. Put a current insurance card in your glove box and throw out the six old ones that
are likely crumbled up in there. :)
That’s it! Take care of these items and you’re on your way to being organized and
properly covered in 2015!

Don't forget to check out our website at www.fowlkesinsurancesrvc.com