Top 5 Insurance Checks You Should Do This Season

As the seasons change and life moves quickly, it’s easy to forget about the fine print that protects your home, vehicle, and family. But taking a few minutes to review your insurance can save you time, money, and stress in the long run. Whether you’ve recently made big life changes or simply haven’t looked at your policies in a while, now is the perfect time for a check-up.

Here are the top 5 insurance checks we recommend doing this season to keep your coverage aligned with your needs:

1. Review Your Homeowners Policy for Accuracy

Have you renovated your kitchen? Installed a new roof? Bought expensive electronics or jewelry?

If you’ve made upgrades or added high-value items, your homeowners policy may need to be updated to reflect those changes.

Also, check your replacement cost coverage — with rising construction prices, your current limits may no longer be enough to fully rebuild.

✅ Tip: Keep receipts and documentation for big-ticket items, and ask your agent if you need additional endorsements for valuables.

2. Reassess Your Auto Coverage

Have your driving habits changed? Did a teen driver join (or leave) your policy?

It might be time to adjust your coverage. Review your deductibles, liability limits, and whether you're carrying comprehensive or collision on each vehicle.

✅ Tip: If your car is older and paid off, you may be over-insured. On the flip side, if you’re driving more or using your vehicle for work, make sure you’re covered correctly.

3. Evaluate Your Life Insurance Needs

Life changes fast—new job, new house, new baby.

If your life circumstances have shifted, your life insurance coverage should too. Check your beneficiaries, your policy type (term vs. whole), and whether your death benefit would still be enough for your loved ones.

✅ Tip: Even if you have life insurance through work, it may not be portable or sufficient on its own. Consider a personal policy as a safety net.

4. Confirm Coverage for Seasonal Property

Boats, motorcycles, RVs, ATVs—if it’s on wheels or water, make sure it’s protected before your next adventure.

Don’t assume it’s covered under your home or auto policy without confirming with your agent.

✅ Tip: Many recreational vehicles are eligible for storage-only discounts when not in use—worth checking if you’re only using them part-time.

5. Schedule a Quick Policy Review with Your Agent

Even if nothing major has changed, it’s a smart idea to touch base with your agent at least once a year.

They can walk you through any new policy options, discounts, or coverage gaps that you may not be aware of.

✅ Tip: This check-in can often be done in under 15 minutes—well worth the peace of mind.

🔍 Need Help With Any of These?

That’s what we’re here for.

At Ellen Fenton & Company Insurance, we take pride in helping our clients stay informed and protected through every season of life.

Ready for a policy review?

Contact us today — no pressure, just straightforward advice.