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Money Matters

How Can You Save with an Insurance Review?

A Personal Insurance Review (PIR) is a one-on-one meeting with your agent. It’s a great way to revisit your policies and confirm that your coverage limits are meeting your current needs. It’s also a great way to make sure you’re getting the most out of your insurance. With new coverage options and discounts, there’s no better time than now to connect with your agent to review your policy.

Why Should I Schedule a Personal Insurance Review?

Over the past year, some things may have changed in your life. These can include:

  • Home additions or remodeling projects
  • New installations like a swimming pool or new garage
  • Smart home upgrades like security systems
  • Personal belongings like a new laptop or TV

If you’ve made changes like these, consider scheduling an insurance review. We’d would love to discuss these changes with you to see if there are additional coverages that can better protect you and your family from the unexpected and to help keep your expenses down.

For example, a PIR is a great time to add coverage for new recreational vehicles you may have purchased over the past year, like a boat or a camper. You may also want to consider adding umbrella insurance as an extra layer of liability coverage to protect against serious financial consequences of a large loss.

New life events

The one thing certain about life — it’s always changing. Have any of these changes happened to you over the past year?

  • Got married
  • Became an empty nester
  • Started a new job
  • Parent’s health condition changed

All of these circumstances should prompt you to reassess your life insurance needs.

Review New Coverages

During an insurance review, your agent will help you identify gaps in your coverage and explain their potential impact. They’ll also make sure you’re not paying for coverage you no longer need. And they can help you discover affordable coverages to best protect your investments.

Here are some new coverages you may want to learn more about during your PIR:

Diminishing Deductible

You can’t control the unexpected. That’s why we’re offering Diminishing Deductible as a coverage you can purchase for all types of vehicles — including boat, camper, car, motorcycle and motorhome. With this coverage, we’ll credit (lower) your deductible to better prepare you for out-of-pocket expenses if you have a claim. It’s one of the many ways we give you control over what you pay.

Accident Forgiveness

No matter how safe you drive, accidents can happen. Accident forgiveness is new car insurance coverage that gives you peace of mind knowing you won’t be penalized for one mistake.

Equipment Breakdown

As homes increase in size with more complicated and expensive equipment, so does the need to keep that equipment protected. Equipment breakdown coverage can protect your smart home devices, home systems or appliances if they suffer from sudden mechanical breakdown.*

Hidden Water

A leaking hidden pipe can cause significant water damage to your home and be very costly. Hidden Water coverage gives you confidence and knowledge that your protected against unexpected hidden water damage.**

Service Line

A broken sewer pipe can mean thousands of dollars for out of pocket repairs. Service line coverage helps pay for the cost to repair or replace damaged service lines up to $10,000 per incident once your $500 deductible is met.

Save with New Discounts

A PIR can illuminate new discounts you may not have known you were eligible for. From auto, home and more, there are discounts for the dreams you protect with us. During an insurance review, you’re bound to find all kinds of ways to save on your insurance.

Ask your agent about these new discounts at your PIR:

Home and auto bundle

At American Family, buying multiple policies means the convenience of having all of your insurance under one roof, and earning a discount too. You could save up to 23% when you bundle your auto and home insurance! ***

Smart home

Want to be rewarded for protecting your home and family? If your home is equipped with a qualifying smart home security system, you could be in for a better rate with our Safe, Secure, Smart Home discount.


Put yourself in the driver’s seat and control what you pay for insurance. Our KnowYourDrive usage-based car insurance program offers up to a 20% discount based on how safe a driver you are. Enroll today to get a 10% introductory premium reduction.

AutoPay and paperless

Looking for easy ways to save? American Family now offers an even deeper savings when you enroll in AutoPay or paperless billing.

Schedule and Start Saving

Whether you want to add optional coverage to your policy to enhance its protection or get discounts to save you money, a personal insurance review is a great way to save money. Another real benefit is you’ll be better protecting what matters most. So, connect with your agent today to take control of what you pay for insurance.

*Coverage provides protection should appliances be damaged due to mechanical, electrical or pressure systems breakdown. Refer to your policy for types of appliances/equipment that are covered by this policy. Coverage does not extend to regular wear & tear. Coverage applies once a $500 deductible has been met.

**Refer to your policy for details as deductible limits apply. Covers continuous or repeated seepage or leakage of water that is concealed within the plumbing, heating or air-conditioning system or a home appliance. The source of hidden water must be unknown and concealed within the walls, floors, ceilings, cabinets or beneath the floors. Coverage not available in all states (GA)

***Customers who bundle auto and home insurance policies may save up to 23% on both policies together (as of October 2021). Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or property policy.

This article is for informational purposes only and includes information widely available through different sources.

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