It’s that time of year again. No, not the slow creep into the holiday season, although that is definitely happening (I may or may not be eating a fun-sized Twix bar while also humming “Santa Claus is Coming to Town”). I’m talking about the real-deal, adult time of year in which you get your affairs in order as the calendar winds down.
I always tackle the chores that sit neglected for months: I clean out the too small clothes from my kids drawers, shuffle around boxes in the basement in search of seasonal decor, and get my furnace serviced. The other thing I do? Find the folder with all of the year’s important documents and look through it to look for anything that might need my attention.
Revisit Your Insurance Policy
Is your current insurance plan still working for you and your family? Will January 1st bring new changes that seem unclear? It’s probably a good time to pencil in some time to review your policy. When you work with Reliable Insurance Agency, based right here in the Northland, you can always call to schedule a quick sit down with an agent.
It’s hard to keep all the i’s dotted and the t’s crossed, so having a professional go over all the details can make a huge difference. A Reliable Insurance agent will make sure you haven’t missed anything and even walk you through “what if” scenarios so you know exactly how your insurance policy will respond to your needs as a family.
Higher Liability Limits = Higher Peace of Mind
My family has always adhered to the old adage “Hope for the best but prepare for the worst.” With a medically complex daughter, we know all too well that sometimes the shoe drops when you least expect it. We’ve learned to prepare ahead of time by increasing our liability limits on home and auto insurance.
At first, we thought our basic policies gave us great coverage, but when we did a little more digging, we realized that there were holes in the liability coverage and limits that were too low to give us much comfort. If something unplanned were to happen, we need to know that we aren’t going to be crippled by bills and debt. If you aren’t quite sure where your liability limits are at, ask! A Reliable agent is 100 percent equipped to go over all the figures with you and find ways to make you feel secure in your coverage.
Rely on an Umbrella During Rainy Times
In fact, it might be a good idea to consider an umbrella policy. I know it didn’t seem that important to me in my twenties–what kind of assets did I have to lose then?–but now I’m privileged to have a home and retirement savings and two young children. It sounds really scary to think that I could get sued for something, but it does happen, and it’s better to feel secure in my coverage from the get-go.
So take an extra hour or two out of your week to make sure you know exactly what your insurance policies are doing for you and if you need to adjust them to keep your family safe and secure. Once you feel confident that you’re on the right track as you head into the new year, you can get back to important things, like lamenting that your kids keep outgrowing their shoes at lightning speed!
