Share:

Before the vestiges of winter make way for the arrival of the green and warmth of spring, you’re probably making plans to spruce up your home or apartment. For many, the seasonal change is the ideal time for spring cleaning. Reviewing your existing car and homeowners insurance policies in spring is another way to organize your household for the year. The following tips can help you determine if your coverage still meets all your needs.

4 Insurance Spring-Cleaning Tips

1. Life Milestones

Marriage, relocation, and the birth of a child are just a few of the many milestones that occur in life. These changes can have an impact on your needs for life insurance and other forms of protection. If you’ve experienced any life events over the past year, let your insurance provider know. You may need to update your list of beneficiaries and rearrange coverage terms. 

2. Home Renovations

homeowners insurancePerhaps you added a deck to the backyard, got a new roof, or upgraded a home security system. Depending on the type of renovation, you could be eligible for discounts that may lower your premiums. Other property upgrades, however, such as the installation of a new pool, may raise your homeowners insurance premiums to protect you against accidents.

3. New Drivers

Parents of teens who have become new drivers should reassess their coverage in spring. Engage your insurance agent in a conversation about adding a new driver to an existing auto insurance policy. Discuss premiums for a teen driver with a learner’s permit or one with a car of their own. These factors are likely to impact what you pay for coverage. 

4. Discounts

Instead of waiting until your policy renewal date, contact your provider this spring to find out about additional discounts you’re eligible for. Depending on the carrier, you may qualify for a price break by using an app to track mileage or by adding carbon monoxide and smoke detectors in your home. If you’ve acquired a pet, check with your homeowners insurance company. Some won’t provide coverage for specific breeds that have higher propensities to cause injuries.

 

As you’re cleaning up your home this spring season, verify that your insurance needs are adequately covered. Wilmoth Insurance Agency in Cookeville, TN, serving residents and businesses throughout the Upper Cumberland region, including those in Cookeville, Livingston, Sparta, Monterey, Fairfield Glade, and Baxter, will gladly review your existing coverages for gaps without obligation. This independent firm partners with a network of leading insurance carriers. Call (931) 526-6181 to schedule a complimentary review of your existing insurance. You can also get information about coverage options online.

tracking