Owning a business or going on holiday without adequate insurance is like playing high stakes poker with your finances. Having the right insurance policy for your needs may cost a few extra dollars now but it will save you thousands—and a great deal of heartache—should disaster strike. Fortunately the Central Coast is home to a wide range of experienced and trustworthy insurance agents and advisors who can help you choose the perfect insurance policy to cover your business and personal needs. If you own a house you most likely have home and contents insurance, or at the very least, buildings insurance, but are you covered for the right amount? It is essential your home buildings policy is enough to cover the cost of completely rebuilding your property. If you took your insurance policy out a number of years ago you may be underinsured. And what about storm damage, floods or fire? Different insurance policies offer varying levels of cover and not all insure you for the same events. Where one policy may cover you for storm damage, that same policy may not cover you for flood. This is where you can really benefit from speaking to your local insurance agent. Central Coast insurance advisors know the products they are selling. They will look at your current policy, discuss your insurance requirements, and your budget, then recommend cover tailored to your exact needs. When you use an insurance agent you can be confident that your insurance policy won't leave you short. An advisor will read and explain your insurance
policy to you, discussing the risks covered, the repayment rates and importantly how to submit a claim on your policy should the need arise. What’s more, when you do need to make a claim, an insurance advisor will guide you through the process. From completing and submitting the form, to providing a list of accredited repairers, you can trust that you will be given reliable and honest advice to help you recoup your losses. The Central Coast's insurers can advise you on all manner of personal insurances, such as car insurance, travel insurance, life insurance and landlord's insurance, as well as business and professional insurances. If you’re a business owner there are a range of products available to minimise your risk. In fact, there are so many it becomes difficult to know just which policies you need. Get in touch with a reputable insurance advisor who can help you work out the risks you need to be insured for. Do you own or lease your business property? Is your business liability cover high enough? And what about business interruption, theft and vehicle insurances? Your business has its own set of unique requirements and speaking with a knowledgeable insurance agent is the most efficient and cost-effective way of ensuring your commercial concern is financially protected. Insurance is an essential part of modern day living but one that is so often misunderstood. Let a qualified insurance advisor or agent give you the benefit of their professional advice and save you the hassle, and financial upheaval, of being inadequately insured.