100-Day Insurance Checklist: Secure Your Peace of Mind

As the year races by and you juggle life's demands, it's all too easy to let important tasks slip through the cracks. With about 100 days left in the year, now is the perfect time to take a pause and review your personal insurance coverage. Life changes quickly, whether it's a home renovation or a new teenage driver hitting the road, and these changes can lead to coverage gaps if overlooked.

Auto Insurance

Has your driving situation changed? Whether it’s a new driver in the family, increased usage of your vehicle, or even purchasing a new car, these factors can significantly affect your auto insurance needs. Take a moment to review your policy and adjust as necessary to ensure everyone is covered appropriately and you are getting the best value for your usage.

Homeowners/Renters Insurance

If you've renovated your home, its value may have increased, which could mean your current coverage isn’t enough. Conversely, a home that's declined in market value could mean you're over-insured. Review your homeowners or renters insurance; any recent upgrades or changes in home value should be reflected here for optimal coverage.

Valuable Items

Do you have a collection of jewelry, electronics, or collectibles? If the answer is yes, then ensuring these items are properly documented and insured is crucial. Make a list of your valuable items and check that your insurance policy offers adequate protection to cover their loss or damage.

Liability Protection

Don’t overlook your umbrella policy as it’s essential for liability protection that aligns with your current assets. Have you added new risk factors like a swimming pool, trampoline, or even new animals at home? Such changes can increase your liability risk, and it’s important to adjust your coverage accordingly.

As you go through these categories, take quick notes. Jot down any questions or potential gaps in coverage you spot—it’ll make discussions with your insurance professional much smoother.

And while it may be tempting to skip this step, remember: a little effort now can save you a lot of stress and financial pain later. Reach out to an insurance expert if you have doubts or need clarification. By making these small updates before the year's end, you're taking a powerful step toward peace of mind.