new years insurance resolutions

5 New Year’s Insurance Resolutions

The New Year is here and it’s the perfect time to think about ways to improve. Whether it’s related to your personal life, work life, or family life, now is a popular time to reflect upon ways to make the new year great! Similar to any other New Year’s Resolutions, you should consider ways to improve your insurance coverages. Insurance is there for when things go wrong – it’s an easy and efficient way to help protect yourself in the new year. Here are some New Year Insurance Resolutions:

Reevaluate Your Existing Coverages

If you already have some insurance, now is the time to make sure they are still relevant to your life. Does your auto insurance need to be updated? How about your homeowners insurance? There are things that occur over the course of a year that are easily forgotten about. For instance, buying a trampoline, adopting a new pet, or home renovations could all affect your insurance coverage. Once you’ve identified the changes or updates you may need on your existing coverage, call up your insurance agent to discuss. They can recommend ways to make sure that you’re insurance is adequate for your life.

Ask About Discounts

Everyone loves to save money, and you might be able to save on your insurance through discounts. And discounts are not just applicable to car insurance! Ask your agent about the available discounts and which ones you might be eligible for. It’s an easy way to start saving in the New Year!

Update Your Home Inventory

Having a home inventory is important. If a fire or other disaster ruins your home, a home inventory can be a good reference point. Make a list of all the items in your home and their value. Save receipts for expensive items if you can. You should also take pictures. In addition to a written home inventory, it’s not a bad idea to take a video of the items in your home. Once you finish your home inventory, keep a copy in a safe area outside of your home. By doing so, you are able to access the list even if your home is destroyed.

Consider Umbrella Insurance

Umbrella insurance is like a safety net for your other coverages. It can help bolster your home, auto, and other liability coverages. If you get into a car accident and the damages exceed your auto insurance limits, umbrella insurance can help extend your limits. Umbrella coverage can help give you some peace of mind, even when things don’t go as planned. Umbrella insurance is great for those with pets, people who travel, people who often carpool, and those with pools or trampolines. However, umbrella insurance doesn’t just apply to those things. Ask your insurance agent about how you can benefit from umbrella insurance.

Don’t Put Off Repairs

The best thing you can do to keep you and your family safe is to be prepared. So this year, don’t put off those pending repairs! If you need to install a new handrail by the stairs, do it now before someone gets hurt. Or if your car needs a tune up, do it before your car breaks down on the road. Taking action to prevent accidents from happening is the best way to stay safe. Insurance is there for when unexpected things happen. But if you can prevent those things from happening in the first place, then that’s preferable. Even putting down salt to stop ice buildup in your driveway can make a difference.

This year, make sure that your insurance is ready for whatever life throws at it. And if you have questions, ask your agent. They are there to help you get the right coverage for you.

Talk to an Encharter agent today at 888.754.8299!

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