Are My Christmas Gifts Covered?

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The answer is maybe.

NEW CAR- first, congratulations!  Most insurance policies will cover your replacement vehicle for 30 days.  Please call your agent the day you purchase your new car to add it to your insurance.  Even better, call in advance of purchasing the vehicle to check the cost difference of the new car compared to your current vehicle.  Have these answers ready about your new vehicle: what is the year, make, model and VIN?  If there is a lienholder, who? Is it a leased?  Who will be driving this vehicle?  What name is on the title (who owns it)?

JEWELRY- most jewelry is not automatically covered on your homeowner’s policy.  Please submit the appraisal or the receipt to your insurance agent to add the most comprehensive coverage including theft on or off of your property, if you lose it or if a stone falls out.  Many people don’t realize their wedding rings and expensive watches are usually not atomically covered on your property policy.  Please review with your agent so you have peace of mind to make sure your items are properly covered.

ELECTRONICS- Are these items for personal use or business?  If personal use, then they will usually be automatically covered on your property policy- renters, condo, home or mobile home- policy.  There is a limit for contents coverage.  Check to verify the amount of the total coverage for your contents. Will that amount cover your clothes, furniture, electronics and all your personal items?  If not, call your insurance agent and discuss increasing your content coverage on your property policy.

(NOTE: make sure you have replacement cost (RC) cost on your contents rather than actual cash value (ACV) which only gives you the depreciated amount in case of a loss.)

CLOTHES, PURSES, SHOES-  These items are covered similar to electronics.  Make sure you have replacement cost (RC) for all your contents and there is plenty of coverage on your policy to repurchase every item you own.

LIFE CHANGES are the reason you review your insurance.  If you move, have a baby, get married, get divorced or if there is a death in your immediate family, please call your insurance agent and either review all your insurance by phone or in person to make sure there are no gaps or overlaps in coverage.


Julie Jakubek, MBA  4650 E Thomas Rd Phoenix, AZ 85018  480-949-5670

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    Julie Jakubek, MBA has owned her Allstate Insurance agency for 20 years. Julie is an almost native of Arizona, long-time Tempe resident, and Xavier College Preparatory alumni. She earned her Bachelor’s degree from NAU. Julie then earned her MBA at Pepperdine University. In 2014, she moved her agency from Scottsdale to Phoenix, where she purchased a free standing, mid-century modern building in the Arcadia area. Please stop by and visit at 4650 East Thomas Road (the corner of 47th St and Thomas) in Phoenix. Community and giving back is essential to Julie, so she donates her time, talent and treasures. Julie’s passion is teaching financial literacy and money management. She currently facilitates an eight week class called “Moving Ahead Through Financial Management” at Fresh Start Women’s Foundation. Julie believes in the mission of Arizona Council of Economic Education (ACEE), an organization that helps educators teach their children about finance and the economy. She has been on their board of directors for the past eight years. Julie is also a member of the Greater Phoenix Chamber of Commerce, the Tempe Chamber of Commerce, the Scottsdale Chamber of Commerce and the Better Business Bureau. Julie supports several other local nonprofits, including: New Leaf, United Food Band, St. Mary’s Food Bank and St. Vincent de Paul, to help underprivileged citizens that have fallen on hard times. Julie is currently on the state board of directors for the National Association of Insurance and Financial Advisors (NAIFA- Arizona). She has received many awards including Business Women of the Year for the Tempe Chamber of Commerce. Allstate accolades are numerous including #1 agent in AZ in 2009 and #3 agent in the entire country that year. Julie’s office culture focuses on taking care of people. It is evident when you meet Julie and her staff that they are friendly, helpful and knowledgeable. Every day as an Allstate Personal Financial Representative Julie’s work is different, interesting and sometimes challenging. She has made it a goal to learn something new every day, even with 20 years in business. Julie truly enjoys helping people and assisting them in choosing the protection that best fits their life. Julie says, “My favorite part of my career is empowering my team, my community and our customers to make great decisions to positively impact their future.”


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