Spring is the most popular time of year for cleaning up around the house and yard, but it’s also a perfect time
to take inventory of your insurance needs. While this list
is not fully comprehensive, here are a few examples of insurance-related items that should be discussed with your agent annually to ensure there are no coverage gaps.
PROPERTY
Building and personal property limits: Review your insurance limits with your agent and discuss any changes needed. Remember, if your living situation has changed, so do your insurance needs.
Outbuildings and off-site storage: Be sure to review sheds, garages, and any other outbuildings on your property, as well as anything you might have secured in off-site storage.
Take Inventory: Review important and high dollar value belongings (jewelry, antiques, tools, gun collection, etc.) and discuss changes with your agent. It is important to keep specific inventory records of these items.
AUTO
New Drivers / Vehicle Changes: Assess the accuracy of drivers listed on your policy, as well as the listed vehicles, and any attachments or major vehicle add-ons (plows, trailers, etc.).
Vehicle Use: Ask yourself if the primary use of any of your vehicles has changed. For example, rides for hire service or seasonal snow plow use.
LIABILITY & OTHER
New hobbies or side jobs: Consider if these activities have liability insurance implications that should be reviewed with your agent.
Pets: Dogs or other large animals may have some liability-related considerations that should be reviewed with your agent.
: Recreational vehicles like an ATV, snowmobile, moped, side by side, or a boat all have distinct insurance needs; as do other items like pools, trampolines, drones, and other outside toys.