As the year winds down, many of us are scrambling to wrap up projects and plan for the holidays. Yet with about 100 days left, now is the perfect time to review your personal insurance coverage. Life changes quickly—new jobs, home upgrades, even new drivers in the family can sneak up and leave gaps in your coverage. But don't worry, we're here to guide you through it with a quick checklist to ensure you're covered.
Auto Insurance
Have you had any changes in drivers, usage, or vehicles this year? Whether you’ve added a teen driver or switched to a new car, these changes can significantly impact your coverage needs. Evaluate your current policy and consider whether adjustments are necessary to maintain adequate protection.
Homeowners/Renters Insurance
Has your home's value changed, or have you completed any renovations or upgrades? From installing a new kitchen to adding solar panels, these improvements can raise the value of your property and alter your insurance requirements. Make sure your policy matches the current value of your home.
Valuable Items
Jewelry, electronics, collectibles—are these documented and insured accordingly? It's easy to underestimate the worth of personal items. Go through your valuables and ensure they are adequately covered to avoid any unpleasant surprises.
Liability Protection
It's time to take a closer look at your umbrella policy. Does it match your current assets? Consider new factors like a pool, trampoline, pond, or new pets in the household. Adjusting liability protection can safeguard against unforeseen liabilities as your life's circumstances evolve.
Make quick notes as you review each area—identifying gaps now can save you from headaches later. And if you're feeling uncertain or need clarity, reaching out to an insurance professional is a wise move.
Remember, making small updates to your insurance coverage now can prevent major hassles in the future, offering you peace of mind as the year comes to a close. Take this simple yet powerful step to safeguard your assets and enjoy the remaining days of 2023 with confidence.