Personal Insurance Checklist

As the year quickly winds down, life's whirlwind activities might distract you from crucial tasks. Now is a perfect moment to review your personal insurance coverage. Life changes fast — whether it's a home upgrade or a new driver in the family — and small shifts can leave significant coverage gaps if not addressed in time.

Let's dive into this checklist to ensure your personal insurance is in top shape:

Valuable Items

 

Begin by confirming that your jewelry, electronics, and collectibles are properly documented and insured. This simple step can save you from unexpected losses.

Auto Insurance

 

Look at any changes in drivers, usage, or vehicles. Whether it's a new teen driver or a shift in commuting patterns, it's crucial your policy reflects your current situation.

Homeowners/Renters Insurance

 

Consider if your home's value has changed or if there have been recent renovations or upgrades. Such developments might require a policy update to keep your coverage aligned with your needs.

Liability Protection

 

Review your umbrella policy to ensure it matches your current assets. New risk factors like a pool, trampoline, pond, or new pets can introduce unexpected liability.

As you review each point, jot down quick notes to efficiently address any gaps. If you're uncertain about your current protection, don't hesitate to reach out to an insurance professional for clarity.

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