As the holiday season approaches, you’ll likely have a lot of lists to check twice. Before you start making major plans, it’s smart to review your insurance options and learn how they can offer you extra peace of mind during this time of year. Here are a few ways that home, health, and auto insurance can safeguard you.

Home

Whether you’re planning to travel or stay put this year, holiday theft is always a major concern for homeowners. Fortunately, most standard homeowners insurance policies will protect stolen belongings by paying to replace them. However, to make sure your coverage is current, it’s a good idea to add new items—such as big-ticket gifts—to your policy inventory.

If you’re hosting a holiday party, homeowners insurance can also shield you from legal action. For example, if a guest accidentally slips in the kitchen and is injured, they could sue you for damages. With liability coverage, your homeowners policy will pay for medical and associated legal expenses up to a certain amount.

Health

The right health insurance should benefit you all year long by reducing prescription costs and minimizing copays. It can be particularly useful during winter travel when a surprise sickness can ruin a trip.

Before you head to another location, check with your insurance provider to see what nearby hospitals and doctors will be covered. If you need health care, you’ll know where to go without having to spend extra money on urgent care.

Auto

Last year, about one in three Americans took to the road for holiday travel. As those trends continue, you can expect to hit a lot of traffic if you’re driving this winter. While crowded freeways and wintry conditions can greatly increase the risk of having an accident, you can shield yourself from losses with solid auto insurance.

Before you pack up the trunk, review your policy. In some cases, it’s wise to upgrade to collision or comprehensive coverage, as these policies will help cover personal auto repairs that minimum liability insurance may not, particularly if you’re at fault in an accident.

You should also check your policy to see if you’ll be covered when using rental vehicles. If you’re protected, you may not have to spend more money to get insurance from the rental agency.

Whether you’re looking for lower rates or want to upgrade your coverage, Tammy Ross Insurance is here to help you review all your policy needs. Serving the Monroe, NC, community for more than two decades, this independent insurance agency is known for connecting consumers to a variety of dependable plans from several nationally recognized providers. From homeowners coverage to auto insurance, count on this friendly team to deliver custom solutions that fit your concerns and budget. To learn more about these services, visit the agency online. Call (704) 233-4981 to request a free quote today.