Time to Review Your Personal Insurance


The year can zoom by in the blink of an eye, filled with both expected and unexpected events. As life changes — home upgrades or your teenager starting to drive — it’s easy to unintentionally overlook small changes that could leave big gaps in your coverage. But don't worry, we’re here to offer support and guidance.

Auto Insurance

 

Start by evaluating your auto insurance. Reflect on any recent changes in drivers, usage, or vehicles in your household. Did your spouse start a new job requiring more commuting miles? Or perhaps there's a new driver in the family? It’s essential that your policy adapts to these shifts to keep you covered.

Valuable Items

 

Next, take a moment to verify that all your valuable items — jewelry, electronics, and collectibles — are properly documented and insured. Have you recently acquired any new high-end technology or family heirlooms? Making sure these are covered can protect your investments from unforeseen damages or theft.

Homeowners/Renters Insurance

 

Now, consider your homeowners or renters insurance. Have you made any renovations or upgrades that might have increased your home’s value? Even small improvements can have a significant impact, so ensuring your policy reflects your current reality is vital.

Liability Protection

 

Don't overlook liability protection. Review your umbrella policy to verify it aligns with your assets. New risk factors, like a backyard pool or even a friendly pet, can influence your coverage needs. If life's recent changes have increased your liability risks, an update might be necessary.

Here’s a tip: As you go through this checklist, jot down notes. These notes will be invaluable to addressing any potential gaps swiftly. If you’re uncertain about any aspect of your coverage, reaching out to an insurance professional can provide clarity and direction.

Remember, small updates now can avert major headaches later. Taking a moment to review your insurance coverage is not just a simple action; it’s a powerful step towards peace of mind as we wrap up the year.