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Spring-Cleaning Your Insurance Risks

Spring-Cleaning Your Insurance Risks

It's the time of year when things start to change. Everywhere you look there are flowers sprouting, trees budding, birds chirping and the days are getting longer. Children are riding their bikes again and getting ice cream on a Sunday afternoon sounds like a great idea. Yes, spring is in the air and we couldn't be more excited. Spring tends to pep us up with a renewed spirit and the urge to wipe the slate clean. You can find people organizing their closets, cabinets and drawers, attempting a fresh start to the season. Many people become so busy cleaning up their stuff that insurance never even comes to mind. This can be a risky oversight. Along with sweeping out the garage, spring is the perfect time to clean up your insurance risks.There are several ways this can be done:

Cover your Bases

One of the best ways to clean up your risks is to review your insurance policies to confirm you have the proper coverage in place. For example, you'll want to make sure your home, vehicles, antiques, jewelry and any valuable artwork are insured for their current values. If you’ve done any remodeling or adding on to your home, it could be underinsured in its current condition. Likewise, as vehicles and other items like antiques age, their value changes, so it’s a good idea to make sure you’ve got the correct policy and the right amount of coverage. It's also the perfect opportunity to take a look around and see if you've acquired any new possessions that need to be insured. Any potential gaps in coverage could end up costing you a lot of money in the event of a claim.

Another great way to spruce up your insurance risks is to clear out the clutter. After a messy winter, now is the time to do a thorough walk-through of your home and property to check for any items that should be removed or replaced. This will also give you the chance to tend to any maintenance issues that need to be resolved. All of this can help lower your risk of loss due to something like a hidden electrical issue or water leak.

Many people begin to hit the road and area lakes during this season, so giving your vehicles, boats, ATV’s and motorcycles a spring tune-up is a proactive way to ensure you’re driving or operating as safely as possible during the busy traveling season. A little prep work can save you future time and money.

Check Your Rates and Information

While you’re at it, checking up on details like your contact information and life insurance beneficiaries can save future headaches. Life inevitably changes over time and we tend to forget about how certain life changes impact our insurance policies. This can lead to unwanted surprises down the road. If you've gotten married, had a baby or had any other major life changes, make sure your policy types and coverage amounts are fulfilling your current needs.

Many people make the mistake of automatically renewing their insurance policies without taking the time to ask any questions.This can end up costing you a lot more than it should in premiums. Most companies offer special incentives or discounts at renewal time or if you bundle your policies with them, which has the potential to save you a substantial amount of money. It's always a good idea to contact your agent so you know you're getting the best deal out there.

Turn the Risk Over to Wiedemann

If it’s been awhile since you’ve checked up on your insurance policies, give Wiedemann a call. We’ll help you assess your current needs and make sure you’ve got all your bases covered. Don’t waste your time calling a ton of companies to get quotes, as an independent agency, we represent multiple companies and can get you quotes with just one phone call. This also means we can get you the best policy at the best price. With over 30 years in the business, we have the knowledge and experience necessary to get you the coverage you need. Check out our products to learn more or contact us today for a consultation. One quick phone call to Wiedemann today can save you future stress, time and money.

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