Personal Lines Checklist - National Alliance

[Pages:3]Personal Lines Checklist

Named Insured: ______________________________________________________________

Agent: _________________________________

Date: ___________________

I. Coverages

Dwelling and Separate Structures Proper Valuation Disaster coverage (Earthquake, Flood etc.) Inflation Guard Ordinance or Law Condo (incl. additions and alterations) Secondary Dwelling Use of separate structures & secondary dwelling

Personal Property Replacement Cost Personal Property Present Values (current and updated) Is there a second dwelling? What coverages offered? Are there Valuable Papers such as Moneys, Securities, Stamps

Tickets, Legal Documents, etc. that need to be increased? Are there specific items such as Jewelry, Guns, Silverware, etc. that

need to be increased? Is the Personal Computer covered? Is there any Business Personal Property on or off premises?

Other things to consider Loss of rents from rental property on Dwelling policies Are you interested in covering the contents of your refrigerator and

freezer if there is a covered loss?

Discussed:

_________ _________ _________ _________ _________ _________ _________

_________ _________ _________

_________

_________ _________ _________

_________

_________

II. Liability Exposures

Liability Increased Limits Increased Medical Payments to Others Do you have any premises that is rented where liability needs

to be extended? Professional liability Business Liability (related to your occupation or any business) Personal Injury Watercraft Umbrella Loss Assessment (for condo's, neighborhood Homeowner's Associations,

_________ _________

_________ _________ _________ _________ _________ _________

and townhouses) Residential Employees (workers compensation)

Automobile Increased Limits on Liability Increased Limits on Medical Payments Uninsured Motorists/Underinsured Motorists Other than Collision Collision Rental Reimbursement Extended Non-owned Autos Any other endorsements for Property Damage exclusions

_________ _________

_________ _________ _________ _________ _________ _________ _________ _________

If applicable in your state: No Fault/Personal Injury Protection (PIP) Accidental Death Dismemberment/Disability

_________ _________

Recreational Vehicles

Do you own or use any of the following?

_________

3 or 4 wheelers

_________

Snowmobiles

_________

Motorhome

_________

Anything else? _______________________________________________________

Watercraft If you own or use watercraft, do you have the following coverages: Liability Medical Hull Contents on board the watercraft (life preservers, etc.) Coverage for someone water-skiing

_________ _________ _________ _________ _________

Aircraft Do you own or use aircraft?

_________

III. Human Factors

Accident and Health Disability Major Medical Hospitalization and surgical Long Term Care Medicare Supplement

Life Insurance Value of each spouse to the family: Spouse #1

_________ _________ _________ _________ _________

_________

Spouse #2 Children (future insurability) Mortgage protection or other specific needs (business loan, etc.) Family Income needs Annuities Retirement

I.R.A. Keogh

_________ _________ _________ _________ _________

_________ _________

IV. Any other concerns: ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________

This list is a guide only. This is NOT an all-inclusive list. Please be sure to consider anything else that might be out of the ordinary to make sure that coverage is complete.

This can be used as a basis to develop your agency's checklist. Also, many companies have checklists prepared. Check with your companies to see if they have one already.

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download