Personal Insurance Checklist: Prepare for Year-End

The countdown is on—we're only about 100 days away from ringing in the new year! With the hustle and bustle of the year behind us and the holidays approaching, it's easy to let personal to-dos slip through the cracks. But don't worry, there's still time for a personal insurance check-up. This simple exercise can provide peace of mind as you wrap up your year.

Auto Insurance

Think about any changes this past year might have brought to your driving life. Did a teenager start driving, or perhaps did you downsize to one vehicle instead of two? Reassessing your auto insurance is a must to ensure optimum coverage for every driver and vehicle in your household.

Liability Protection

Review your umbrella policy so it mirrors your current assets. New installations like a pool or a trampoline, or new pets might raise potential risk factors. Be sure your liability protection covers these new adventures.

Homeowners/Renters Insurance

Has your home’s value gone up due to market conditions or have you expanded your living space recently? Both changes could mean your current policy doesn't quite match your home's current worth. Keeping coverage in sync with true value is essential.

Valuable Items

Over a year, we often add jewelry, electronics, or collectibles to our lives. Ensure these treasures are documented and adequately protected under your current policy. It’s worth a double-check to avoid an unpleasant surprise later.

As you glance over these considerations, jot down any questions or notes to streamline conversations with your insurance professional. It’s always beneficial to lean on an expert should you need clarity on what protection suits your needs best.

Taking just a little time now to update your personal insurance can save you from possible headaches next year. It's a small but significant step toward peace of mind as the calendar pages turn. Rest easy knowing you’ve got this covered!