As we countdown the last 100 days of the year, it’s the perfect time to hit pause and review your personal insurance coverage. Life can change quickly—home renovations can boost home value, and your teenager might be eyeing your car for those first driving lessons. These changes can easily slip under the radar but can leave significant gaps in your insurance coverage if not addressed.

Homeowners/Renters Insurance

Start with your homeowners or renters insurance. Has your home’s value changed since your last review? Recent renovations or upgrades might have an impact. Consider these factors to ensure your insurance policy is up to date and reflective of your home’s current situation.

Liability Protection

Next, take a look at your liability protection. It's crucial to review your umbrella insurance policy to make sure it aligns with your current assets. New risk factors, such as a newly-installed pool, trampoline, or even new pets, should be considered to avoid unexpected liabilities.

Auto Insurance

Don’t forget about your auto insurance. Any new drivers or vehicles in the family? How has your car usage changed, if at all? These are all important questions that could affect your coverage needs.

Valuable Items

Finally, safeguard your valuable items. Ensure your jewelry, electronics, and collectibles are properly documented and insured for their current worth. This might involve adjusting your coverage or simply updating your inventory list.

As you delve into each category, take quick notes of any updates or changes that might indicate a coverage gap. This can help navigate any necessary adjustments with ease. If you find yourself unsure or in need of clarity, don’t hesitate to reach out to an insurance professional who can help ensure everything is airtight.

Remember: small updates now can prevent major headaches in the future. By following this checklist, you're not just being prudent; you're taking a simple but powerful step toward peace of mind as the year winds down.