Fall is actually a smart time for people to revisit their insurance needs as seasons change and the year winds down. Here are a few important insurance-related things people should review or consider in the fall:
🍁 1. Homeowners Insurance Check-Up
- Prepare for colder weather: Ensure your policy covers potential fall/winter damage like frozen pipes, roof damage from storms, or fallen trees.
- Recent upgrades: If you made home improvements (new roof, insulation, etc.), update your policy — it could even lower your premium.
🚗 Auto Insurance Adjustments
- Weather-related coverage: Consider comprehensive coverage for things like deer collisions (which spike in fall), hail, or falling branches.
- Tire & roadside assistance: Make sure your policy includes or supplements emergency assistance for slippery roads and cold weather issues.
🧣 Life Insurance Reevaluation
- Major life changes: Did you get married, have a baby, or buy a home this year? Your coverage might need an increase.
- End-of-year financial planning: Fall is a great time to reassess long-term financial protection for your family.
🏠 Renters Insurance Update
- New purchases: Did you buy a new laptop, bike, or furniture recently? Make sure your policy limits still fully cover your belongings.
🏢 Business Insurance Review (if applicable)
- Seasonal risks: If you run a business, check coverage for slips and falls, inventory storage, and heating system breakdowns.
- Employee changes: Updating your workers’ comp and liability coverage is key if you hired seasonal help or made staffing changes.
💡 Bonus Tip: Bundle and Save
Fall is a smart time to bundle policies (home + auto, etc.) for better rates heading into the new year.
As you prep for cooler days and the holidays ahead, take a moment to ensure your insurance is working as hard as you are. A quick review now can save you stress (and money) later. Looking for a reevaluation? Contact us today!
