100 Days Left: Your Personal Insurance Checklist

Embrace the Final 100 Days of the Year with Confidence

As the year winds down, life can feel like a whirlwind of activities and commitments. With only about 100 days left, it's the perfect moment to pause and reflect—especially when it comes to personal insurance. Life changes quickly, and what might seem like small updates in your life, like home renovations or a newly licensed driver in the family, can lead to significant gaps in your insurance coverage if not addressed. Let's make sure you're adequately protected by diving into a personal insurance checklist.

Evaluate Your Homeowners/Renters Insurance

Has your home appreciated in value, or have you made any significant improvements or renovations recently? It's essential to check if your current policy reflects these changes. Take note of any modifications to ensure your coverage is comprehensive.

Review Your Auto Insurance

Have there been changes in your household's drivers, the vehicles you own, or your vehicle usage? Consider these factors carefully to make sure your auto insurance policy aligns with your current situation. Small updates might be necessary to maintain protection.

Protect Your Valuables

Valuable belongings such as jewelry, electronics, and collectibles require special attention. Confirm that these items are well-documented and adequately insured. This step will prevent potential losses from becoming more stressful situations.

Check Your Liability Protection

Review your umbrella policy to ensure it aligns with your existing assets. Consider if new risk factors, such as adding a pool, trampoline, pond, or taking in new pets, might require an adjustment in your coverage.

As you go through each of these items, make quick notes so you can address any gaps promptly. If you're unsure about any aspect of your coverage, reaching out to an insurance professional can provide clarity and confidence. Remember, a proactive approach now will save you from potential headaches later.

Taking time to review your insurance coverage as the year comes to an end is a simple yet effective way to achieve peace of mind. Just as you prepare for the holidays and tie up loose ends, ensuring your coverage is up-to-date is another way to end the year on a positive and secure note.