100 Days Left: Insurance Check for Peace of Mind

As the year winds down and just about 100 days are left on the calendar, life tends to catch us off guard with its swift pace. We understand how hectic things can get—from home renovations to adding new drivers in the household. This is the perfect moment to pause and review your personal insurance coverage to ensure no crucial aspects are left unprotected.

Homeowners/Renters Insurance

Start by evaluating your home’s current value. Have you recently renovated the kitchen or added a new room? Any upgrades can affect your policy needs. Confirm that your coverage reflects your home’s present state and replacement cost.

Liability Protection

As life evolves, so do your risks. Review your umbrella policy to ensure it matches your current asset level. Consider new risk factors like a pool, trampoline, pond, or even new pets, and adjust your coverage accordingly to maintain peace of mind.

Auto Insurance

Have there been changes in your household's driving situation? Maybe a teenager just got their license, or you bought a new vehicle. Check your policy to ensure it factors in all drivers and changes in usage.

Valuable Items

Do you own newly acquired jewelry, electronics, or collectibles? Make sure these are documented and appropriately insured to avoid surprises in case of loss or damage.

To make this process simple and effective, take quick notes as you review each section: home, auto, valuables, and liability. Addressing any gaps now can circumvent substantial inconveniences down the road.

If you ever feel uncertain about your current protection or require clarification, don’t hesitate to reach out to an insurance professional. These small updates can prevent major headaches later, acting as a simple but powerful step toward peace of mind as the year concludes.