100 Days Left: Your Personal Insurance Checklist

As the year races by and the holiday season looms closer, it's hard to believe there are only about 100 days left. This is the perfect moment to pause, take a breath, and ensure that your personal insurance coverage is as ready for the new year as you are. Life moves fast, and with changes like home upgrades or adding new drivers, it’s essential to tackle potential gaps in your coverage.

Evaluate Valuable Items

Have you acquired any high-end electronics, jewelry, or collectibles recently? Ensure these items are properly documented and insured. This step helps protect not just their monetary value but also your peace of mind.

Examine Your Homeowners/Renters Insurance

Consider whether your home's value has changed. Have there been any renovations or upgrades? These changes might require updates to your policy to reflect increased values, preventing underinsurance.

Understand Your Auto Insurance

Auto insurance isn't just about your car anymore. Have there been any new drivers in the household or a change in how frequently you're on the road? Updating your coverage to reflect these changes ensures you're protected at all times.

Check Liability Protection

Are your umbrella policies aligned with your present assets? Think about new risk factors you might have introduced, such as pools, trampolines, ponds, or even new pets. These can affect your liability protection needs.

As you go through each point, jot down quick notes and questions. This organization will help you address any gaps or concerns efficiently. If you find yourself uncertain about your coverage, reaching out to an insurance professional can bring clarity.

Making small updates now can prevent major headaches later, protecting you from unexpected surprises. Remember, reviewing and understanding your insurance coverage is a simple but powerful step toward wrapping up your year with peace of mind.