By Jamey Toney, ChFC® Country Financial

Disaster can strike at any time. Without warning you could lose your home, your possessions and even your life in a fire, tornado or other disaster. It’s important to protect yourself and your family by having adequate insurance coverage.

It's best to review your insurance policies with an insurance representative every year or two to make sure you have adequate coverage for your home, auto or life.



To help review property, periodically inventory your personal property so the insurance amounts are adequate. Being underinsured may result in a claim payment less than the loss sustained.

Documentation is of the utmost importance, so it's essential to have a complete inventory of valuable items you own. This will help you in filing a claim. Inventories and the resulting insurance amount should be reviewed especially whenever significant changes are made.

High value items such as antiques, jewelry, furs and collectibles should be appraised. Then discuss with your financial representative the merits of specifically insuring those items in your policy.

It makes sense to review your insurance to see if you have adequate coverage. It also doesn't hurt to look at ways to make your premium dollars work more efficiently. You can save money by increasing your deductibles and assuming more of the initial part of the loss.

You should also review your life, health and disability income insurance policies to ensure that the futures of you, your spouse and your family are protected in case of an emergency.

Read your policies carefully. If you don't understand something, talk with an insurance representative and have the representative reevaluate your coverage.

By investing a little time and effort, you can save yourself time, money and a lot of headaches.

For more information on tornado safety visit the COUNTRY Financial website at   

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Jamey Toney, Country Financial
(770) 985-9757