As the year starts to wind down, fall is a natural time to take a step back and review your finances—including your insurance coverage.

A lot can change over the course of a year. Home values shift, life circumstances evolve, and new risks can emerge. If your policies haven’t been updated recently, there’s a chance your coverage may no longer match your current situation.

A quick review now can help you catch gaps, adjust limits, and head into the end of the year with confidence.

Why an Annual Insurance Review Matters

Insurance isn’t something you set once and forget.

Over time, changes in your life or environment can impact how well your coverage protects you. Without regular updates, you could end up underinsured—or paying for coverage that no longer fits your needs.

An annual review helps ensure:

• Your coverage reflects current home replacement costs
• Your policy limits align with your financial situation
• Any new risks are properly addressed
• You’re taking advantage of available discounts or bundling options

Key Areas to Review in Your Policies

When reviewing your insurance, it’s important to look beyond just your premium.

Focus on:

• Coverage limits for your home, vehicle, and personal property
• Deductibles and how they impact out-of-pocket costs
• Liability protection across all policies
• Any exclusions or limitations that may apply

Understanding these details can help you make more informed decisions and avoid surprises during a claim.

Life Changes That May Affect Your Coverage

Even small life changes can have a big impact on your insurance needs.

You may need to update your policies if you’ve:

• Moved or purchased a new home
• Completed renovations or upgrades
• Gotten married or expanded your family
• Purchased high-value items
• Added or removed a vehicle

Keeping your policies aligned with your current situation is one of the best ways to stay protected.

Don’t Overlook Liability Protection

Liability coverage is often one of the most important—and most overlooked—parts of an insurance policy.

This coverage can help protect you financially if you’re found responsible for injuries or property damage involving others.

Consider whether your current limits are sufficient, especially if:

• You host gatherings or events at your home
• You have significant assets to protect
• You want an added layer of financial security

In some cases, an umbrella policy may be worth discussing with your agent.

Preparing for the Months Ahead

Fall is also a good time to think ahead to seasonal risks.

As temperatures drop, issues like frozen pipes, heating system problems, and winter storms can become more likely. Making sure your coverage is up to date now can help you avoid complications later.

It’s also a good opportunity to confirm that your contact information, billing details, and policy documents are all current.

Take a Few Minutes Now, Avoid Problems Later

Reviewing your insurance doesn’t have to take long—but it can make a big difference.

A quick conversation with your insurance agent can help identify gaps, adjust your coverage, and ensure everything is aligned with your needs as the year comes to a close.

Have questions about your policies? Contact your local independent insurance agent to schedule a review and make sure you’re fully protected.

Back-to-school season isn’t just about schedules, supplies, and routines—it’s also a time when insurance needs often change.

From teen drivers getting behind the wheel to students heading off to college, this time of year brings new responsibilities and potential risks. Many families don’t realize their existing policies may need updates to keep up.

Taking a few minutes to review your coverage now can help protect your family and avoid surprises during the school year.

Teen Drivers and Auto Insurance

Adding a teen driver to your policy is a major milestone—and one that can significantly impact your coverage and premiums.

When a new driver joins your household, it’s important to review:

• Liability coverage limits to ensure adequate protection
• Collision and comprehensive coverage for newer vehicles
• Available discounts for good grades or safe driving programs
• Whether your teen will have primary access to a specific vehicle

Teen drivers are statistically more likely to be involved in accidents, so having the right coverage in place is essential.

Coverage for College Students Living Away from Home

If your student is heading to college, their living situation can affect how your insurance applies.

In many cases:

• Personal belongings may still be covered under your homeowners policy
• Coverage limits may be reduced if the student lives off campus
• Renters insurance may be needed for off-campus housing
• Liability coverage can still extend to your student in certain situations

It’s important to confirm how your policy applies based on where your student is living.

Protecting Laptops, Phones, and School Gear

Back-to-school season often means investing in new electronics and equipment.

Items like laptops, tablets, and other devices can add up quickly—and may be at risk of theft or damage.

Consider:

• Whether your personal property coverage limits are sufficient
• If high-value items need additional protection
• How deductibles compare to the value of your devices

In some cases, adding extra coverage or endorsements can provide better protection for expensive items.

Dorm Life vs. Off-Campus Living

Where your student lives plays a big role in what coverage they need.

For example:

• Dorm residents may have limited space but still face theft or damage risks
• Off-campus renters are responsible for their personal belongings and liability
• Landlord insurance does not cover a tenant’s personal property

A renters insurance policy is often an affordable way to add protection for students living off campus.

When to Review Your Family’s Coverage

Back-to-school season is a natural time to take a closer look at your policies.

You may want to review your coverage if:

• You’ve added a teen driver
• Your child is moving away for school
• You’ve purchased new electronics or equipment
• Your household situation has changed

Even small updates can help ensure your coverage keeps pace with your family’s needs.

Start the School Year with Confidence

A new school year brings plenty of change—but your insurance coverage should keep up.

By reviewing your policies and making a few adjustments, you can help protect your family both on the road and away from home.

Have questions about your coverage this school year? Contact your local independent insurance agent to make sure your family is fully protected.

Summer is a time for backyard barbecues, fireworks, and time spent outdoors with friends and family.

But along with the fun comes an increased risk of accidents and insurance claims. Fires, injuries, and property damage tend to spike during the summer months—especially around holidays like the Fourth of July.

The good news is that most of these incidents are preventable. A few simple precautions can help you enjoy the season while protecting your home, your guests, and your coverage.

Fireworks Safety Starts with Awareness

Fireworks are a staple of summer celebrations, but they can also be dangerous if not handled properly.

To reduce risk:

• Check local laws before using fireworks
• Keep a safe distance from people, homes, and dry areas
• Never allow children to handle fireworks unsupervised
• Have a hose or bucket of water nearby

Even small fireworks can cause burns or start fires, so it’s important to use caution at all times.

Grilling Safely at Home

Grilling is another popular summer activity—and a leading cause of home fires.

Before firing up the grill:

• Keep grills at least 10 feet away from your home or structures
• Never leave a grill unattended while in use
• Clean grease buildup regularly to prevent flare-ups
• Keep a fire extinguisher nearby

Gas and charcoal grills both carry risks, so proper setup and supervision are key.

Protecting Your Home and Property

Outdoor gatherings can increase the chance of accidents on your property.

To help reduce liability risks:

• Keep walkways clear of clutter or tripping hazards
• Ensure outdoor lighting is adequate in the evening
• Secure pets if guests are visiting
• Supervise pools or water features at all times

Homeowners insurance typically includes liability protection, but preventing accidents is always the better option.

Understanding Your Insurance Coverage

If something does go wrong, your insurance may help—but it’s important to understand how coverage applies.

Depending on your policy:

• Homeowners insurance may cover fire damage or liability claims
• Medical payments coverage may help with minor injuries to guests
• Certain high-risk activities may have limitations or exclusions

Knowing what your policy includes can help you make safer decisions and avoid unexpected costs.

Simple Ways to Reduce Risk This Summer

You don’t need to avoid summer activities—you just need to approach them with safety in mind.

A few smart habits can go a long way:

• Stay aware of weather conditions, especially wind and heat
• Keep emergency supplies nearby during outdoor activities
• Follow manufacturer guidelines for equipment and fireworks
• Take extra precautions during large gatherings

These steps can help you enjoy the season without unnecessary risk.

Enjoy Summer with Confidence

Summer should be a time to relax and make memories—not deal with avoidable accidents or insurance claims.

By taking a few preventive measures and understanding your coverage, you can protect your home, your guests, and your peace of mind.

Have questions about your coverage this summer? Contact your local independent insurance agent to make sure you’re protected all season long.

Summer is peak vacation season, with many families heading out of town for extended trips.

While you’re focused on travel plans and packing, your home may be sitting empty—making it more vulnerable to risks like theft, water damage, or unexpected issues. The last thing you want is to come home to a problem that could have been prevented.

Taking a few proactive steps before you leave can help protect your home, reduce risk, and ensure your insurance coverage works the way you expect if something does happen.

Make Your Home Look Occupied

An empty home can be an easy target if it looks unattended.

Before you leave, consider:

• Setting timers on lights throughout the house
• Pausing mail delivery or having a neighbor collect it
• Keeping blinds or curtains in a normal position
• Asking someone to check in periodically

Small details can make a big difference in discouraging unwanted attention.

Secure Entry Points and Valuables

It’s important to double-check that your home is fully secured before you head out.

Make sure to:

• Lock all doors and windows
• Secure garage doors and any secondary entrances
• Store valuable items in a safe or out of sight
• Avoid posting travel plans publicly on social media

These steps can help reduce the likelihood of theft and give you added peace of mind while you’re away.

Prevent Water and Maintenance Issues

Not all risks involve break-ins—some of the most costly claims come from water damage or maintenance problems.

Before leaving, take time to:

• Turn off the main water supply if appropriate
• Check for leaks under sinks and around appliances
• Clean gutters and downspouts
• Set your thermostat to a safe temperature

If you’ll be gone for an extended period, consider installing water sensors or smart home devices that can alert you to issues in real time.

Understand What Your Insurance Covers

Many homeowners insurance policies cover theft and certain types of damage while you’re away—but coverage can depend on the situation.

It’s a good idea to review:

• Coverage limits for personal property
• Any exclusions related to extended vacancies
• Deductibles that may apply to claims
• Whether additional endorsements are needed

If your home will be vacant for a longer period, your policy may have specific requirements or limitations.

Don’t Forget About Your Vehicle

If your car will be parked while you’re away, it’s still important to make sure it’s protected.

Consider:

• Parking in a garage or well-lit area
• Keeping your vehicle locked at all times
• Maintaining comprehensive coverage for non-driving risks like theft or weather damage

Even when you’re not driving, your auto insurance still plays an important role.

Travel with Confidence

A little preparation before your trip can go a long way toward protecting your home and your finances.

By securing your property, addressing potential risks, and reviewing your insurance coverage, you can focus on enjoying your vacation instead of worrying about what might go wrong.

Have questions about your coverage before you travel? Contact your local independent insurance agent to make sure you’re protected at home and on the road.

A few simple steps can help you stay protected before, during, and after your move.
Summer is one of the busiest times of year for moving—and one of the easiest times to overlook important insurance details.

Between packing, scheduling, and coordinating logistics, insurance is often an afterthought. But missing a key update or misunderstanding your coverage during a move can lead to costly gaps at exactly the wrong time.

Whether you’re moving across town or across the country, taking a few minutes to review your insurance can help ensure a smooth transition and avoid unexpected issues.

Forgetting to Update Your Address and Policy Details

One of the most common mistakes is simply not updating your insurance policies after a move.

Your location plays a major role in how your policy is written and priced. Risks like weather exposure, crime rates, and local building costs can all impact your coverage.

Be sure to update:

• Your home address on all policies
• Where your vehicle is primarily garaged
• Any changes in how the property is used

Even a short delay in updating your information could create complications if you need to file a claim.

Assuming Your Coverage Transfers Automatically

Not all insurance coverage follows you seamlessly when you move.

For example, a homeowners policy typically does not transfer to a new property. You’ll need a new policy that reflects the details and risks of your new home.

It’s important to confirm:

• When your current policy ends
• When your new policy begins
• That there is no gap between the two

Having continuous coverage is critical—especially during a time when your belongings are in transit.

Overlooking Coverage During the Move Itself

Many people don’t realize that their belongings may have limited coverage while they’re being moved.

If you’re hiring a moving company, their coverage may be minimal and based on weight—not value. Your homeowners or renters policy may offer some protection, but limits can vary.

Before moving day, check:

• What your current policy covers during transit
• Whether additional moving insurance is needed
• What liability coverage the moving company provides

A little clarity upfront can help protect your belongings every step of the way.

Forgetting About Liability Risks

Moving comes with more than just property risks—it can also create liability exposure.

If someone is injured while helping you move, or if damage occurs to another property during the process, you could be held responsible.

Make sure you understand:

• What liability coverage your policy includes
• Whether you need additional protection during the move
• If contractors or movers carry their own insurance

This is especially important if you’re coordinating help from friends or third parties.

Not Reviewing Coverage for Your New Home

Your new home may come with different risks than your previous one.

Factors like roof age, location, construction type, and proximity to water or fire services can all affect your coverage needs. Assuming your old policy limits are still appropriate can leave you underinsured.

Take time to review:

• Dwelling coverage based on current rebuild costs
• Coverage for detached structures like garages or sheds
• Personal property limits
• Any additional endorsements you may need

Every home is different, and your policy should reflect that.

A Smooth Move Starts with the Right Coverage

Moving is a big transition—but your insurance doesn’t have to be complicated.

A quick review before your move can help you avoid gaps in coverage, protect your belongings, and give you peace of mind during a busy time.

Have questions about your coverage before you relocate? Contact your local independent insurance agent to make sure everything is in place for your move.

Spring brings warmer weather—but it also brings some of the most unpredictable and damaging storms of the year.

Heavy rain, strong winds, hail, and even tornadoes can cause significant damage to homes and property. Many homeowners assume they’re fully covered, only to find out after a storm that certain types of damage aren’t included in their policy.

Understanding what your insurance covers before severe weather hits can help you avoid costly surprises and recover more quickly if a storm does occur.

What Homeowners Insurance Typically Covers in a Storm

Most standard homeowners insurance policies provide protection against common storm-related damage.

This usually includes:

• Wind damage to your roof, siding, or windows
• Hail damage to roofing, gutters, and exterior surfaces
• Damage from fallen trees or debris
• Water damage caused by sudden and accidental events, like a burst pipe

If your home is damaged by a covered event, your policy may also help pay for temporary living expenses while repairs are being made.

However, coverage always depends on the cause of the damage—not just the damage itself.

What Flood Damage Is (and Isn’t) Covered

One of the biggest misconceptions about homeowners insurance is that it covers flooding.

In most cases, it does not.

Flood damage typically includes:

• Rising water from heavy rain
• Storm surge from coastal weather events
• Overflow from rivers, lakes, or drainage systems

This type of damage requires a separate flood insurance policy, which can be purchased through the National Flood Insurance Program (NFIP) or private insurers.

Even homes outside of high-risk flood zones can experience flooding, which is why it’s worth discussing your risk with an insurance professional.

Understanding Wind and Storm Deductibles

In some areas, especially those prone to severe weather, your policy may include a separate deductible for wind or storm damage.

This means:

• You may pay a different deductible for storm-related claims
• The deductible could be a percentage of your home’s value, not a flat amount
• Out-of-pocket costs may be higher than expected after a major storm

Knowing how your deductible works ahead of time can help you plan financially and avoid surprises during a claim.

Simple Ways to Reduce Storm Damage Risk

While you can’t control the weather, you can take steps to reduce your risk.

Consider:

• Cleaning gutters and downspouts to prevent water buildup
• Trimming trees and removing weak or dead branches
• Securing outdoor furniture and loose items before storms
• Inspecting your roof for loose or damaged shingles

These small steps can help minimize damage and may even reduce the likelihood of filing a claim.

When to Review Your Coverage

Spring is a smart time to take a closer look at your homeowners policy.

You may want to review your coverage if:

• You’ve made recent home improvements or renovations
• Your home value has increased
• You’re unsure about your flood risk
• You haven’t reviewed your policy in the past year

A quick check now can help ensure your coverage keeps up with your home and your needs.

Be Prepared Before the Next Storm

Storms can happen quickly—but being prepared ahead of time makes all the difference.

Understanding your coverage, identifying potential gaps, and taking preventive steps can help protect your home and your finances when severe weather strikes.

Have questions about your storm coverage? Contact your local independent insurance agent to review your policy and make sure you’re ready for whatever the season brings.

Insurance is one of those things most people have—but few fully understand.

You may know you have homeowners, auto, or life insurance, but do you know exactly what’s covered, what’s not, and where gaps might exist? Many claim issues come down to simple misunderstandings that could have been avoided with a quick review.

Taking a little time now to understand your coverage can help you avoid unexpected costs later—and make more confident decisions about your protection.

What Homeowners Insurance Typically Covers

A standard homeowners policy is designed to protect both your home and your belongings, but coverage isn’t unlimited.

Most policies include protection for:

• The structure of your home from events like fire, wind, or hail
• Personal belongings such as furniture, clothing, and electronics
• Liability protection if someone is injured on your property
• Additional living expenses if your home becomes temporarily unlivable

However, there are important exclusions to be aware of. Flooding and earthquakes, for example, are typically not covered and require separate policies. Understanding these limits is key to avoiding surprises when you need coverage most.

What Auto Insurance Covers (and What It Doesn’t)

Auto insurance can be more complex than it seems because it includes multiple types of coverage working together.

Most policies include:

• Liability coverage for injuries or damage you cause to others
• Collision coverage for damage to your vehicle after an accident
• Comprehensive coverage for events like theft, fire, or weather damage
• Uninsured or underinsured motorist coverage

One common misconception is that “full coverage” means everything is covered. In reality, coverage limits, deductibles, and exclusions still apply, which is why it’s important to review your policy details.

Life Insurance: More Than Just a Payout

Life insurance is often thought of as a simple payout for loved ones, but it plays a much larger role in financial security.

A policy can help cover:

• Mortgage or rent payments
• Daily living expenses for your family
• Outstanding debts
• Future costs like college tuition

The key question isn’t just whether you have life insurance—it’s whether you have enough coverage based on your current situation and long-term goals

Where Coverage Gaps Commonly Happen

Even well-insured individuals can have gaps in their coverage.

These gaps often show up in situations like:

• No coverage for risks like flooding or earthquakes
• Outdated policy limits that don’t reflect current home values
• Missing endorsements for high-value items like jewelry or collectibles
• Limited liability protection

Because these issues often aren’t discovered until a claim is filed, reviewing your coverage ahead of time is one of the smartest steps you can take.

When Should You Review Your Policies?

A good rule of thumb is to review your insurance at least once a year—or whenever a major life change occurs.

That includes:

• Buying or renovating a home
• Moving to a new location
• Getting married or growing your family
• Purchasing high-value items
• Adding a teen driver

Even small updates can make a big difference in how well you’re protected.

A Quick Review Can Make a Big Difference

You don’t need to become an insurance expert, but having a basic understanding of your coverage can go a long way.

A quick policy review with your insurance agent can help clarify what you have, identify any gaps, and ensure your coverage still fits your needs. Taking action now can help you avoid stress and unexpected costs later.

Have questions? Contact your local independent insurance agent to review your coverage and make sure you’re protected with confidence.

As temperatures rise and spring storms roll in, small issues that developed over the winter can turn into costly repairs. Taking time for seasonal home maintenance not only protects your property — it may also help you avoid insurance claims and out-of-pocket expenses.

Spring is the perfect time to inspect, repair, and prepare your home for the months ahead.

Why Spring Maintenance Matters

Snow, ice, freezing temperatures, and wind can cause hidden damage to roofing, siding, gutters, plumbing, and foundations. Left unaddressed, minor wear and tear can lead to water damage, mold growth, roof leaks, or structural problems.

Preventive maintenance helps:

• Reduce the risk of weather-related claims
• Extend the life of your roof and exterior features
• Prevent water intrusion and drainage problems
• Identify safety hazards before they become serious

It also helps ensure your home remains in good condition, which can be important if you ever need to file a claim.

Key Areas to Inspect This Spring

A thorough walkthrough of your property can help you spot potential issues early. Here are several areas homeowners should review each spring:

1. Roof and Gutters

Winter storms can loosen shingles, damage flashing, and clog gutters with debris.

Look for:

• Missing or curling shingles
• Sagging gutters
• Granules collecting near downspouts
• Signs of leaks in the attic

Clean gutters and make sure downspouts direct water away from your foundation.

2. Foundation and Exterior

Freezing and thawing cycles can create cracks and shifting.

Check for:

• Foundation cracks
• Gaps around windows and doors
• Damaged siding
• Peeling paint

Sealing small cracks early can help prevent water intrusion and bigger structural concerns.

3. Landscaping and Drainage

Spring rain can quickly expose drainage issues.

Make sure:

• Soil slopes away from your home
• Downspouts extend several feet from the foundation
• Tree branches are trimmed away from the roof
• Dead trees or limbs are removed

Poor drainage is a common cause of basement and crawl space water damage.

4. HVAC and Plumbing

As you transition from heating to cooling, it’s a good time to service your systems.

Consider:

1. Scheduling HVAC maintenance
2. Replacing air filters
3. Checking outdoor hose bibs for freeze damage
4. Inspecting exposed pipes for cracks or leaks

Routine servicing may improve efficiency and reduce the risk of unexpected breakdowns.

How Maintenance Can Impact Your Insurance

Homeowners insurance is designed to cover sudden and accidental damage — not problems caused by neglect or lack of maintenance.

If a claim results from long-term wear and tear, deferred repairs, or known issues that weren’t addressed, coverage may be limited.

By keeping up with routine maintenance, you help:

• Reduce the likelihood of preventable claims
• Protect your home’s insurability
• Avoid disputes over whether damage was sudden or gradual

Seasonal upkeep can be one of the simplest ways to protect both your home and your coverage.

Preparing for Spring Storm Season

March also marks the start of severe weather season in many parts of the country.

Now is a good time to:

• Review your homeowners policy
• Confirm your wind and hail deductible
• Ask about flood insurance if you live in a flood-prone area
• Document your home’s condition with updated photos

Being proactive before storms hit can make a major difference if you ever need to file a claim.

Have Questions About Your Coverage?

Spring maintenance is about more than curb appeal — it’s about protecting one of your largest investments.

If you’re unsure what your homeowners insurance covers, or you’d like to review your deductibles and limits before storm season, your local independent insurance agent can help. They can explain your current policy, identify potential gaps, and recommend options that fit your home and risk level.

Contact your local independent insurance agent today to review your coverage and head into spring with confidence.

Most people understand car insurance and homeowners insurance, but fewer know about umbrella insurance—an extra layer of liability coverage that can help protect you if you’re responsible for a serious accident or injury.

Umbrella coverage is designed to kick in when the liability limits on your underlying policies are used up, helping cover larger claims that could otherwise come out of your pocket.

Umbrella insurance is often more affordable than people assume and can be a smart option for anyone with assets to protect or a higher risk of liability claims.

What Umbrella Insurance Covers

Umbrella insurance generally provides additional liability coverage above and beyond what your auto or home policy includes. That can help with costs related to injuries, property damage, and certain lawsuits.

Coverage varies by insurer, but umbrella policies commonly help cover things like:

• Bodily injury claims if someone is hurt in an accident you cause
• Property damage claims if you damage someone else’s property
• Legal defense costs, including attorney fees, even if you’re sued unfairly
• Certain personal liability situations, like a guest injury at your hom

It’s important to know what umbrella insurance typically does not cover. Most policies won’t cover damage to your own property, your own injuries, business-related claims (unless endorsed), or intentional harm. Your agent can help you understand what’s included and what’s excluded.

When Your Regular Liability Limits May Not Be Enough

Liability limits on auto and home policies can feel high—until a major claim happens. Medical bills, legal expenses, and settlement amounts can add up quickly, especially if multiple people are involved or a claim turns into a lawsuit.

Here are a few examples of situations where umbrella coverage may help:

• A serious auto accident leads to large medical bills and a lawsuit
• Someone is injured on your property and can’t work for an extended period
• Your teen driver causes an accident with multiple vehicles involved
• You’re found responsible for damaging someone else’s property in a costly incident

Umbrella coverage can help protect your savings and may even help shield future income from garnishment in some situations, depending on the circumstances.

Who Should Consider Umbrella Insurance

Umbrella insurance isn’t only for the wealthy. It can be a good fit for many households, especially if you have things that could increase liability risk or create a bigger financial target in a lawsuit.

You may want to ask about umbrella coverage if you:

• Own a home or have significant savings
• Have a teen driver in the household
• Host guests frequently or have a property with higher risk (pool, trampoline, dog, etc.)
• Own recreational vehicles like a boat, RV, or ATV
• Rent out property or frequently travel and drive rentals
• Serve on a board or volunteer in ways that could increase personal liability exposure

Even if none of these apply, umbrella coverage can still be worth considering if you simply want added peace of mind.

How Umbrella Policies Work

Umbrella insurance typically requires you to carry certain minimum liability limits on your auto and homeowners (or renters) policies. Once those underlying limits are reached, the umbrella coverage may help cover additional costs up to its limit.

Many policies start at $1 million in coverage and can often be increased. The right amount depends on your assets, your risk level, and what you want to protect.

Need Help Deciding If It Makes Sense?

Umbrella insurance is one of those coverages that’s easiest to understand after a quick review of your current limits and your overall risk. Your local independent insurance agent can help you compare options, explain requirements, and recommend coverage that fits your situation.

Have questions? Contact your local independent insurance agent to review your liability limits and see whether umbrella coverage is a smart next step.

From packed travel schedules to expensive deliveries sitting on doorsteps, the end of the year brings a mix of excitement and exposure. Whether you’re staying home or hitting the road, this is a smart time to check your coverage and take a few preventive steps to keep the season joyful.

Here’s what to know before the holidays are in full swing.

Protecting Your Home While You Travel

If you’re leaving town, make sure your home is secure. Lock all doors and windows, set light timers, and pause mail or deliveries—or ask a neighbor to pick them up. If you use smart home devices like security cameras or water sensors, test them before you leave.

Many homeowners policies cover theft and vandalism, but filing a claim during the holidays can be especially stressful. Taking precautions upfront can help you avoid it altogether.

Safeguarding Holiday Deliveries

Porch piracy tends to spike in December. If you’re ordering gifts online, consider sending high-value packages to your workplace or a secure pickup location. Some carriers allow you to schedule deliveries or get real-time alerts.

If a package is stolen from your porch, homeowners or renters insurance may offer some reimbursement—but there’s often a deductible, and coverage may be limited. It’s best to prevent the loss when you can.

Auto Insurance and Holiday Travel

Holiday traffic, icy roads, and longer trips all increase the chances of accidents this time of year. Before you travel, check that your auto insurance is current and that roadside assistance is included—especially if you’ll be driving in unfamiliar areas.

If you’re renting a vehicle, find out whether your personal auto policy covers rental cars. In many cases, it does—but not always.

Are Holiday Gifts Covered by Insurance?

Gifts like electronics, jewelry, and collectibles may need to be scheduled on your policy to be fully covered. Standard homeowners or renters insurance may only reimburse a portion of their value if they’re lost, stolen, or damaged.

If you’ve made big purchases this year—or plan to during the holidays—talk to your agent about updating your coverage.

Need Help Before the Holidays?

The holidays can be unpredictable, but your insurance coverage doesn’t have to be. A quick review with your local independent insurance agent can help ensure you’re protected at home, on the road, and everywhere in between.

Have questions? Reach out today to enjoy the season with confidence and peace of mind.