Many people are taking the time to reflect back on the past year. It’s also important to take the time to look towards the year ahead, and we don’t just mean resolutions. At the end of every year, you should take the time to check on your insurance policies and make any changes that need to be done. Did you let insurance slide last year? It’s a new year! These are the five insurance-related New Year’s resolutions every American should strive for.
One: Review Your Auto-Insurance
Think back over the last year. Have you had any changes in your driving habits? Are you driving less? If there have been changes to your driving habits, than it’s worth contacting your insurance agent so your policy can be updated to accurately reflect your needs. You don’t want to start off the new year without proper auto-insurance coverage.
Two: Clean Your Gutters
If you have yet to clean your gutters from the leaves that accumulate during the fall, it’s important to do so before winter gets into full swing. Clogged gutters can lead to winter ice dams and dangerous icicles, but this can easily be avoided if you take the time to clean them out! Homeowners insurance is there if you need it, but it’s a best to avoid an accident in the first place.
Three: Take An Inventory
Reflect back on 2017, and think about any major life changes that occurred that may have an impact on your life insurance policy. Did you get any jewelry over the holidays? Did you buy a new car? The value of the items in your home can sneak up on you, and pretty soon it may outvalue the payout of your insurance policies. Be sure to discuss any major changes in your assets with your insurance agent to make sure your 2018 policies accurately reflect your needs.
Four: Update Your Life Insurance
Did you quit smoking last year? Did you lose weight? All of these things can have a substantial effect on your life insurance policy. Speak with an insurance agent to see if you need to increase or decrease your coverage. You might even qualify for better rates!
Five: Speak With Your Insurance Agent
The bottom line, is that it’s important to speak with an insurance agent at the start of a new year. A qualified insurance agent will be able to tell you whether you need to update your policies, change your deductibles etc.
If you don’t have an insurance policy currently, or are looking to change carriers, than you should take the time to talk with the folks at TGS Insurance. Their staff are experts in all aspects of the insurance industry and are always willing to speak with you to help you find the insurance policy that’s right for your needs, and your budget. Visit www.tgsinsurance.com to learn more.