Local General Insurance

Free download

The Policyholder's Coverage Checkup

A 22-page guide to reading your own policy, written for people who have never had a reason to read one until now.

Inside the guide:

  • A line-by-line walkthrough of an auto declarations page, with the eight fields that are most often wrong
  • The break-even worksheet for choosing a deductible
  • How percentage wind and hail deductibles work, and how to calculate yours
  • Actual cash value versus replacement cost, including roof payment schedules and recoverable depreciation deadlines
  • A liability limits table showing what 25/50/25 covers and what it does not
  • A one-page annual review checklist and a list of discounts to ask for by name

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