Responsibilities of an Insured

Things you need to do as a Policyholder:

  1. Periodically make an appointment with your agent to review your coverage.
  2. Immediately contact your agent if you make any additions to your building(s) or remove a building from your property.
  3. Conduct periodic maintenance of all heating systems.
  4. Prepare a list of your personal property including the dates purchased and the cost.
  5. If you have a business, maintain a copy of all important records off-site.
  6. Periodically review your property for defects, both from a property loss basis and a third-party liability basis.
  • Are steps and hand rails in good condition?
  • Are your smoke detectors in working order?
  • Have you plugged too many electrical cords in a single outlet?
  • Have your heating, electrical and plumbing systems been working properly?
  • Are the property grounds in good shape - no accumulation of debris, no uncovered holes or wells, driveway and parking lot smooth and even, sidewalk not deteriorated and uneven, etc.?