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The countdown has begun: just about 100 days until the year wraps up, and if your schedule looks anything like ours, it's been a whirlwind. Between juggling work commitments and planning out that holiday getaway, reviewing your personal insurance can seem like a distant task. But in reality, now is the perfect moment—life has its knack for quick changes, from home upgrades to new family drivers, and small changes can leave big coverage gaps if not addressed. So take a deep breath, grab a pen, and let's dive into your personal insurance checklist.
Assess Your Homeowners/Renters Insurance
Start by reflecting on whether the value of your home has changed. Have you recently undertaken any renovations or upgrades? These can alter the coverage you need. Make a note of any changes and consider reaching out to an insurance professional if you're unsure about adjustments.
Examine Your Auto Insurance
Has your driving life changed this year? Perhaps a new driver has joined the household or you've swapped out a vehicle. These changes can affect your auto policy, so evaluate your current coverage and consider any updates you may need.
Review Your Valuable Items
Do you have treasured jewelry, cutting-edge electronics, or a collection of rare vinyls? Make sure these valuables are properly documented and covered. Quick notes here can save you a heap of trouble down the line.
Reassess Liability Protection
Take a look at your umbrella policy to ensure it matches your assets. Perhaps you added a pool this summer or adopted a new pet—such changes should prompt a review of potential new risks.
While noting these changes, think about future risks that could arise before the year ends. Jotting down these quick insights ensures you can address any gaps in your coverage efficiently.
After all, checking in with an insurance professional could offer clarity if you're uncertain about any aspects of your protection. Remember, small updates now can prevent major headaches later. As the year closes, know that a quick review of your insurance coverage is a powerful move toward peace of mind.