Consider the New Year an opportunity to re-evaluate your insurance needs to decide whether to renew, change, or purchase new policies.

Ask yourself these questions to help make sure you are properly protected:

1. Do you have an immediate need to renew any of your current policies before the coverage period ends?
2. Did you receive holiday gifts or valuable items last year that should be appraised and possibly insured?
3. In the event you need to file any homeowners, auto or other type of claim, are you able to afford your current deductible?

Talk with Modern Insurance Services today to evaluate your needs at 218-844-3590 or email mike [at] mymoderninsurance [dot] com.