Before the holiday season kicks into high gear, take a few minutes to make sure your personal lines insurance is ready to protect what matters most.
🍂Home Insurance
- ☑️ Review your dwelling and personal property limits
- ☑️ Check liability coverage in case of holiday guests or accidents
- ☑️ Confirm coverage for seasonal risks like frozen pipes or fire hazards
- ☑️ Update your policy if you've made recent renovations or purchases
- ☑️ Ask about bundling with auto for potential savings
🍂 Auto Insurance
- Verify your coverage limits and deductibles
- ☑️ Make sure roadside assistance is included for winter travel
- ☑️ Check if your policy covers rental cars or loaner vehicles
- ☑️ Review your driving record for any changes that could affect premiums
- ☑️ Consider bundling with home insurance for a multi-policy discount
- ☑️ Confirm whether your carrier offers one deductible for bundled claims
🍂 Umbrella Policy
- ☑️ Review your liability limits to ensure they still match your lifestyle and assets
- ☑️ Confirm that your underlying home and auto policies meet the minimum coverage requirements
- ☑️ Consider increasing your umbrella limit if you've added property, vehicles, or other exposures
- ☑️ Make sure your policy includes coverage for holiday hosting and travel-related liability
🍂 Dwelling Fire Policy
- ☑️ Verify that your rental property is properly listed and occupied as intended
- ☑️ Check for coverage on loss of rental income in case of a claim
- ☑️ Review liability protection for tenants and guests
- ☑️ Ensure seasonal maintenance is up to date to prevent claims (e.g., heating, plumbing, roof)
🍂 General Tips
- ☑️ Confirm your contact info is up to date with your agent
- ☑️ Ask about available discounts (bundling, loyalty, safety features)
- ☑️ Schedule a quick policy review before the end of the year
- ☑️ Keep an inventory of valuables and recent purchases for easy claims processing
Need help checking off your list?
Our team is here to make sure your coverage is as comforting as your favorite holiday dish. Reach out anytime for a personalized review.