Insurance decisions are usually made on a static basis related to life’s milestones.
Certain events like the ones listed below trigger a need to evaluate one’s insurance landscape.
- New adults leaving home for their own apartment
- Getting a new job
- Marriage
- Having children
- Major purchases
- Moving to a new home
- Acquiring cars, boats or other vehicles
- New drivers in the household
- Divorce
- Retirement
It may spur a need to buy renters coverage, homeowners policy, auto policy, wedding coverage, umbrella policy or endorsements for jewelry, etc.
However, there's an issue with milestones. Typically, years pass between these events, which may cause complacency about your coverage needs. You may not recognize that having adequate protection is more dynamic.
Not to worry! There is an easy way to consider making necessary changes. Events such as gift-giving holidays, anniversaries, birthdays, and vacations include acquiring more personal items. These are times accompanied by fun and memories, as well as gifts or shopping trips where items such as jewelry, luggage, electronics, and more are acquired. After these special events, take a moment to evaluate whether or not you received any property that might make it prudent to update your coverage.
Vacations can be a nuanced topic. Generally, any coverage concerns are unnecessary for routine trips within the country. However, what about dream vacations in foreign destinations or in-country getaways for extended periods? In either case, you may need to consider whether your existing policies cover the situation. For instance, do you need temporary, separate coverage for protection in other countries? Will your travel create any special liability issues?
Did you acquire new property that needs protection? Will you be away so long that you must address any issue created by your absence from your residence?
Having proper coverage means taking steps to make sure that you are protected in the manner you need. Use these special days and events as touchpoints to contact an insurance professional at Williams Insurance to make sure you have needed protection.
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