Review Your Policy

  • Review PolicyWhen your insurance policy comes for renewal : Don’t just immediately send the check to District of Columbia home insurance company. Give yourself some time so that you can review the coverages you have brought and you can also contact your agent for any queries and concerns about home insurance.
    1. Check whether the company has made changes in the coverages in recent years.
    2. Check whether there is separate deductible for hurricanes and hail.
    3. To save your money is it required to raise the deductible.
    4. Are you taking the advantage of the available discounts.
    5. Is policy required for flood, earthquake and umbrella.
  • Major improvements made to your sweet home :
    1. Any purchases made to your house see to that you are covered with right coverages. If any one in your house has brought a new computer or expensive artwork inform your agent whether to increase the insurance for these items.
    2. Don’t forget to report to the home insurance company if you have added new room, expanded the kitchen. Same way do not forget about the structures outside your room. Maintain the records and keep the receipts safely because you may have to send the copies to District of Columbia home insurance company.
  • You can make your home safe :
    Make it a point that your home insurance company knows about the improvements made in burglar system or heating or plumbing because you might qualify for the discount.
  • Major changes in lifestyle :
    Children, divorce or marriage who are in a family can be affected by District of Columbia home insurance. People start buying more things day by day. Hence you need to buy additional coverage for the belongings inside your house.

Proof of Insurance and Financial Responsibility

Proof of Insurance & FinancialProof of your insurance will be available in the Motor Vehicle Division Database (MVD), but if there is no electronic record at all then you should be ready to show some other proof for your insurance

  • Insurance Card :
    Those cards which are under the International Registration Plan (IRP) or self insured are considered as valid proofs for the car insurance. But just the car insurance cards are not considered to be the proof of your car insurance, state requires the carriers to give them and the car owners should always carry with them while driving.
  • Self-Insured Information :
    As a proof of financial responsibility you can use the certificate of self-insurance and self insured information card from safety Fire Commissioner or Office of Insurance when you insure your car yourself.
  • Insurance Binder :
    Your District Of Columbia car insurance will be issued a binder if at all you are buying the car insurance for the first time. The binder will be valid only for 30 days and this is one of the way to show the proof of your insurance.
  • Bill of Sale/Declaration Page :
    If you have purchased a new car, copy of the bill along with insurance declaration page can be provided as proof of insurance just for 30 days.
  • Shop for Car Insurance :
    1. Do not take hasty decisions by just seeing one car insurance company. Keep shopping regularly and take your time to check all the car insurance companies.
    2. To get the best combination of price and quality, contact as many car insurance companies you can and also the insurance agents.
    3. Plan yourself what you want before buying because later you should not end up buying something you do not require.
    4. Take a look at each company’s financial stability, underwriting practices, claim handling practices and policyholder services.
    5. Check about the discounts.