The remnants of winter are fading away and we are officially into the spring season. Spring is a time for more sunshine, blooming flowers (and a few showers), and of course, spring cleaning!
Now is a great time to get outside and fix any outdoor areas that may have taken a hit this winter or finally get your kitchen and closets organized. The change in season provides a welcome opportunity to hit the refresh button and tidy up different areas of your life.
One area that could benefit from a little spring cleaning attention is your insurance.
We recommend reviewing your insurance policies at least twice a year to make sure they meet your current needs and that you are covered for any changes that may have recently occurred in your life.
Use spring cleaning as one of your annual reminders to perform this review and check to see whether any of your summer plans might impact the types of coverage you need.
Here are 5 spring cleaning questions to ask when reviewing and refreshing your insurance policies:
1. Is the full cost of my house covered?
Have you made any big updates to your home recently or do you plan to this spring? Anytime you make an update, take a look at your policy to make sure that it covers the full cost of a rebuild. If your policy is outdated, you may not be fully compensated for the total cost of repairing or rebuilding your house should any damage occur.
2. Is my life insurance policy up to date?
A life insurance policy is easy to set and forget about but it is worth reviewing this policy during your spring cleaning refresh. If any changes in your life have occurred such as the purchase of a vacation home, a marriage, a divorce or a new baby, you will want to confirm that your policy adequately reflects these changes.
3. Do I need special insurance if I rent out my house this summer?
Planning to rent out your house while you travel? Depending on your homeowners policy, losses may not be covered while you are renting your house. Contact your insurance agent today to find out whether or not you need added coverage to guarantee your house and the items in it are covered during rental periods.
4. Is my upcoming summer road trip covered?
Do you see a summer road trip in your future? Now is a good time to check your auto policy’s declaration page to make sure you and your vehicle are well covered. Also, if you plan to take your road trip to the next level and purchase or rent an RV, check with your insurance agent to see what special coverage you might need for this.
5. Is my upcoming summer travel covered?
Are you planning to take any big trips this summer? Perhaps you are hoping to travel to a city abroad or to get outside in nature for an adventure vacation full of hiking and rock climbing. Either way, It’s a good idea to look into purchasing travel insurance which can protect the cost of your trip and cover any medical needs you may have while traveling.
Let us help you with your spring cleaning insurance needs! Contact one of our insurance agents today to review all of your policies to make sure your coverages match your life.
About Ryan Ruffcorn
Ryan grew up in Keokuk, graduated from Keokuk Senior High, and started his agency in Keokuk from scratch in 2003 after having worked for one of the largest international accounting firms, KPMG, LLP.
Ryan is hardworking; his loyal and trustworthy character is exemplified by the way he does business. He thoroughly enjoys helping clients through the insurance buying process to secure coverage for their most valuable assets.