It is never too late to review your insurance program. Having the right policy is far more valuable than having the lowest premium. Often, the policy holder assumes more of the risks, in return for a slightly lower premium. We recommend, visiting your insurance agency annually to review and understand available coverages, endorsements, and deductibles.  You will be informed to make necessary changes that reflect your personal risk characteristics. Not all policies are the same, and your needs may change. Don’t delay, schedule this today.  Your Agency should welcome your request.