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    Life changes. Has your coverage?

    Whether you're starting out, settling down, or retired, protecting what's important—that's what matters most. Our guide describes factors that can influence your insurance decisions, offers some coverages to consider, and leaves you with key questions to ask so you can find what's right for you.

    Personalize your keychain with what's happening in your life, or just get started:

    • Starting Out Starting Out

      Starting Out No dorms, no living at home—just you
      on your own.

    • New Home New Home

      New Home From first time buyers to vacation homes.

    • Getting Married Getting Married

      Getting Married Going from just "me" to "us".

    • New Additions New Additions

      New Additions Growing family, growing house, growing needs.

    • Empty Nest Empty Nest

      Empty Nest Lots of space with the kids away at school.

    • Retired Retired

      Retired You've earned the right to sit back. Enjoy.

    • Just Livin' Just Livin'

      Just Livin' No big changes. Life's good, just as it should be.

    How life changes can factor into insurance decisions.

    New Home

    Buying a home means more assets to protect and more liability exposure. Homeowners insurance can help cover your personal belongings, the physical structure of your house, and offer liability coverage in the event of a lawsuit.

    Getting Married

    When two people come together, they combine their lives and often their assets. As you and your spouse evaluate your insurance options, keep in mind that discounts may be available for consolidating all your policies with one company.

    New Additions

    As your family grows and changes, so can the things you need to protect. An addition to your home, new car, or just the extra stuff that growing families tend to accumulate. All these changes could mean changes in your coverage too.

    Starting Out

    Being on your own can be exciting and scary all at once. You're focused on protecting yourself and the things you have. And finding the right coverage to fit your budget and needs doesn't have to be daunting. Many insurers offer payment plans or automated withdrawals to help individuals just like you start off on the right foot with their finances.

    Empty Nest

    Even kids away at school may still need the coverage your policies provide. Additionally, they might qualify for special student related discounts that could help you save on insurance.

    Retired

    You've worked hard to get here and may not need the same coverage you did during your working days. Now is the time to evaluate what's changed along the way. To make sure you've got insurance that still meets your everyday needs.

    Just Livin'

    Even when life doesn't seem to be changing, your insurance needs can. An annual review of your insurance policies can help make sure your coverages are up-to-date. Learn some of the factors to weigh, and questions to ask when reviewing your current coverages.

    Now is a good time to review some of the factors that can influence your insurance decisions.

    Step 1 Please answer all questions before continuing.

    Where do you live?





    Why it matters

    Everyone should consider coverage for their personal belongings—and protect themselves with liability coverage in case they are sued or found responsible for someone else's injuries. In addition, home and condo owners also can cover the actual physical structure of their home.

    Do you have teen or
    college age kids that drive?



    As your family grows, so can your insurance needs. Having a teen driver should prompt you to take a look at your coverages and limits.

    How many cars do you own?

    No one plans to have an accident, but you can be prepared if they happen. Protect yourself by making sure you've got the right coverage in place.

    Step x of x Please answer all questions before continuing.

    Tell us a little bit about your first car

    Year:

    What's the value of the car?





    Why your car's worth matters

    How much your car is worth is an important factor in deciding whether or not to purchase Physical Damage coverage on your Auto policy.

    Step x of x Please answer all questions before continuing.

    Tell us a little about car 2

    Year:

    Estimated Value:





    Why your car's worth matters

    How much your car is worth is an important factor in deciding whether or not to purchase Physical Damage coverage on your Auto policy.

    Step x of x Please answer all questions before continuing.

    Tell us a little about car 3

    Year:

    Estimated Value:





    Why your car's worth matters

    How much your car is worth is an important factor in deciding whether or not to purchase Physical Damage coverage on your Auto policy.

    Step x of x Please answer all questions before continuing.

    Do you plan to lease or finance a new vehicle in the next year or two?

    Why a new vehicle matters

    As time passes the principal on your loan or lease can often exceed your car's actual value. Loan Lease Gap insurance could protect you from being "upside down" on your auto loan in the event of a total loss. For new cars, additional coverage options may be available.

    Step x of x Please answer all questions before continuing.

    Do you ever car pool or drive people around?




    Why driving others matters

    Regularly driving others can increase your exposure to accidents and the potential risk that you are sued or found responsible for someone else's injuries. Consider how much you have to lose if you were sued when considering liability coverage.

    Step x of x Please answer all questions before continuing.

    Have you recently remodeled or done work to your home in the last few years?

    Why remodeling matters

    Investing in improvements to your home can increase its replacement costs. Make sure you have proper coverages and adequate limits to cover any recent changes.

    Step x of x Please answer all questions before continuing.

    How much would it cost to rebuild your home?






    Why the cost to rebuild matters

    This is known as "Replacement Cost" and is different than your home's market value. Make sure the dwelling limit of your Homeowners insurance reflects the estimated cost to rebuild your home.

    Step x of x Please answer all questions before continuing.

    Have you recently done any work to the interior of your condo?

    Why remodeling matters

    An upgrade here and a fix there can actually increase your replacement cost. Make sure to check the limits of your policy and account for all your improvements.

    Step x of x Please answer all questions before continuing.

    How much equity do you have in your home?

    Estimated Value:

    Why home equity matters

    Your home is one of your biggest financial assets. Consider how much you have to lose if you were sued when considering liability coverage—the value of your assets can be an important consideration in determining how much liability coverage to purchase.

    Step x of x Please answer all questions before continuing.

    What's the value of your furniture, clothing and electronics or other belongings?
    (excluding any high value items such as jewelry, fine arts, or precious items?)

    Estimated Value:






    Why the value of your belongings matters

    A landlord's insurance policy typically doesn't provide coverage for personal belongings or your personal liability. Consider Renters insurance to protect yourself and the things you have.

    Step x of x Please answer all questions before continuing.

    What would you estimate the value of any jewelry, antiques, fine arts, furs or other precious items you own to be?

    Estimated Value:





    Why valuable items matter

    Many basic insurance policies carry low limits for certain high-value personal property items.

    Step x of x Please answer all questions before continuing.

    Are you planning a wedding that includes any deposits you could lose or travel plans that could be canceled?

    Why your wedding investment matters

    Often weddings are a sizable financial investment. Special coverages can help you protect against the unanticipated. What if your venue suddenly goes out of business? What if the bridal salon loses your dress? What if your caterer backs out? The quality of your wedding day may depend on your decision to insure against financial loss.

    Step x of x Please answer all questions before continuing.

    Do you own any other real estate other than your primary home?

    Why additional properties matter

    Additional properties mean more assets and even more exposure to liability loss. Something as simple as a slip and fall at your rental property or second home could leave you open to additional liability exposure if someone gets injured.

    Step x of x Please answer all questions before continuing.

    Do you have an in-home business?

    Why in-home businesses matter

    Standard Homeowners policies don't usually cover home-based businesses.

    Step x of x Please answer all questions before continuing.

    Do you have a boat, motorcycle, ATV or
    any other powersport vehicles?

    Why powersport vehicles matter

    Auto and Homeowners insurance doesn't typically cover this type of vehicle. Ask your Travelers licensed insurance specialist or Independent Agent about specialized policies that do.

    Step x of x Please answer all questions before continuing.

    Do you have a swimming pool or trampoline?

    Why pools and trampolines matter

    Accidents with pools or trampolines might be infrequent, but could be financially devastating for you, if you are found to be responsible for injuries to others. Consider how much you have to lose if you were sued when selecting an amount of liability coverage.

    Step x of x Please answer all questions before continuing.

    What's your combined household income?

    Estimated Value:

    Why household income matters

    Current and future earnings are important factors to consider when assessing how much liability insurance you might want.

    Step x of x Please answer all questions before continuing.

    What's the combined value of your bank accounts, CDs, and stocks?

    Estimated Value:

    Why financial assets matter

    The value of your assets can be an important consideration in determining how much liability coverage to purchase.

    Step x of x Please answer all questions before continuing.

    When purchasing insurance, what's most important to you?

    Why price vs. coverage matters

    Finding the right balance of price and coverage is a very personal decision. That's why it's best to talk to a Travelers licensed insurance specialist or Independent Agent about your particular situation and needs.

    Congratulations. Now that you've thought about your insurance needs, here are some next steps.

    • Review and print the Coverage Guide
    • Contact your Travelers licensed insurance specialist or Independent Agent to start a conversation.

    Auto Coverages

    Things to Consider

    There's a lot to think about when it comes to Auto insurance. Limits, deductibles, mandatory versus optional coverages—just to name a few. Listed below are some key components of an Auto policy. Speak to a Travelers licensed insurance specialist or Independent Agent to understand how these fit into your Auto insurance coverage.

    Bodily Injury Liability

    Generally covers Bodily Injury to other people, if you're found responsible for an accident. You should consider a policy that covers you up to:

    Property Damage Liability Coverage

    Generally pays for damages to another person's property (e.g. their car) when you are responsible for an accident.

    Uninsured/Underinsured Motorist Coverage

    People often purchase the same limits for Uninsured/ Underinsured coverage as Bodily Injury liability. Uninsured/Underinsured Motorist coverages can cover your damages and injuries if another driver is responsible for an accident, but has inadequate or no Auto insurance. This coverage varies widely by state.

    Physical Damage Coverage

    Physical Damage coverage consists of two separate coverages: Comprehensive and Collision. These coverages generally pay for damage to your vehicle as a result of things like, collision, theft, hail or vandalism. A deductible applies.

    Questions to ask

    Talk to your Travelers licensed insurance specialist or Independent Agent

    Home Coverages

    Things to Consider

    Questions to ask

    Talk to your Travelers licensed insurance specialist or Independent Agent

    Other Coverages

    Things to Consider

    Jewelry, collectibles, boats–you may find that your Auto and Home coverage just isn't enough. Ask your Travelers licensed insurance specialist or Independent Agent if you should consider additional liability coverage, coverage for valuable items or specialized policies for other powersport vehicles.

    Find the right insurance for you

    Thanks for using the Guide to Better Coverage. Please contact one of our insurance specialists or an Independent Agent for personalized assistance in evaluating your insurance needs.

    Feedback | Have questions? Speak to a Travelers licensed insurance specialist at 1-866-557-2847or Find an Independent Agent
    Have questions? Start a conversation with your local agent today.

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    agent today.

    Possible Discounts

    Multi-policy discounts can help you save!

    Here are additional discounts you may be eligible for:

    Guide to Better Coverage ("GTBC") is intended to provide you with general information about property casualty insurance and to help you understand certain factors you may want to consider when purchasing coverage. It is not intended to advise you of coverages, limits or deductibles for your specific situation. The information presented is not a recommendation. GTBC does not display all options available to you. You should review and consider all your options when purchasing insurance. Coverages, limits, discounts and deductibles presented in this tool vary by state and are subject to availability and individual eligibility. Any coverage description on this site is general and necessarily simplified. Actual coverage is subject to the terms, limits and conditions of your particular policies.

    Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183.

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