The year has flown by, and it's the perfect time to give your personal insurance coverage a thorough review. Life moves fast, from home renovations to new drivers in the family, and these changes can create gaps in your protection. Rest assured, we're here to help guide you through this essential checklist.

Evaluate Your Homeowners/Renters Insurance

 

Check if your home's value has changed or if you've made any recent renovations or upgrades. Ensuring these changes are reflected in your coverage can prevent potential discrepancies.

Review Your Auto Insurance

 

Have there been changes in drivers, vehicle usage, or added vehicles? These can all impact your coverage needs.

Insure Your Valuable Items

 

Confirm that your jewelry, electronics, and collectibles are properly documented and insured to avoid any surprises in case of loss or damage.

Assess Liability Protection

 

Review your umbrella policy to ensure it aligns with your current assets. Consider new risk factors such as a pool, trampoline, pond, or new pets.

As you go through each point, take quick notes to address any gaps efficiently. If you're uncertain about your current protection, reaching out to an insurance professional can provide clarity.

Remember, small updates now can prevent major headaches later. Taking the time to review your insurance coverage is a simple yet powerful step toward peace of mind as the year wraps up.