When was the last time you checked your personal insurance coverage? As the year rushes by, we find ourselves with only about 100 days left. Before you're knee-deep in the holiday season, it's the...

When was the last time you checked your personal insurance coverage? As the year rushes by, we find ourselves with only about 100 days left. Before you're knee-deep in the holiday season, it's the perfect time to take a pause and reassess your personal insurance. Life happens quickly — be it a home renovation or a new driver in the family — and these changes might unknowingly leave you with coverage gaps.

Homeowners/Renters Insurance

Start by considering your home. Has its value changed this year? Maybe you've added upgrades or made renovations. These factors can influence your insurance needs. jot down notes as you review to ensure you're fully covered against unforeseen events.

Auto Insurance

Changes behind the wheel? Whether you've added a new driver, upgraded your vehicle, or changed how frequently you’re driving, it's crucial to review your current auto policy. Check that you're still getting the right coverage for your current circumstances.

Liability Protection

Ensure your liability protection is up to date, especially if you have an umbrella policy. It's essential that your policy matches your assets. With new potential risks like a pool, trampoline, or even a new pet, a quick review could save you from future troubles.

Valuable Items

Have a treasure trove of jewelry, collectibles, or high-tech gadgets? Make sure they are well-documented and insured. It’s easy to overlook these valuable items, but ensuring they have proper coverage is crucial.

As you make your notes, don't hesitate to reach out to an insurance professional. They can shed light on any uncertainties, ensuring you have the best possible coverage as we near the year’s end. A small effort now can prevent significant headaches later, offering you and your family peace of mind. Remember, taking this simple step isn’t just about ticking off a checklist, but about protecting what matters most as uncertainties of another year await.