As the days grow longer and the weather warms up, spring brings a fresh start for homeowners and drivers alike. While many people focus on spring cleaning and home maintenance, it’s also a great time to review your insurance policies and ensure you’re adequately covered for the season ahead. Here are some key insurance tips for spring to keep in mind.
1. Inspect Your Home for Winter Damage
Winter can be harsh on homes, with snow, ice, and freezing temperatures potentially causing damage. Check your roof for loose or missing shingles, inspect gutters for blockages, and look for any cracks or leaks in your foundation. Addressing these issues early can prevent costly repairs and home insurance claims down the road. Learn more about home maintenance tips.
2. Review Your Homeowners Insurance
With the arrival of spring storms, heavy rainfall, and potential flooding, now is the time to review your homeowners insurance policy. Insurance companies have recently made adjustments to deductible options as well–please make sure you have reviewed your policy so you know exactly what your deductible currently is. Ensure you have adequate coverage for storm damage, and if you live in a flood-prone area, consider adding flood insurance since most standard policies do not cover flooding. Check FEMA’s flood insurance program.
3. Get Your Car Ready for Spring
Road conditions change as spring arrives, bringing rain, potholes, and increased travel. Check your auto insurance policy to confirm you have adequate coverage for weather-related accidents. Additionally, ensure your car is in good condition by inspecting tires, brakes, and windshield wipers to stay safe on wet roads. Find spring car maintenance tips.
4. Prepare for Outdoor Fun
As temperatures rise, many people take out boats, motorcycles, RVs, and other recreational vehicles. If you’re planning to use yours, make sure your insurance coverage is up to date. Proper insurance can protect against accidents, theft, and liability claims, giving you peace of mind while you enjoy the great outdoors. Read more about RV and boat insurance.
5. Check Your Liability Coverage
Spring often means more gatherings, backyard barbecues, and outdoor activities. If someone gets injured on your property, you could be held liable. Review your liability coverage in your homeowners or renters insurance policy to ensure you’re adequately protected in case of an accident. Understand liability insurance.
6. Update Your Home Inventory
Spring cleaning is the perfect time to update your home inventory. Document any valuable items, take photos, and keep receipts for new purchases. Having an up-to-date inventory can make the insurance claims process smoother if you ever need to file one. Use the NAIC home inventory app.
Spring is a season of renewal, and that should include your insurance coverage. Taking the time to review your policies now can save you time, money, and stress later. If you have questions or need to update your coverage, contact us today to ensure you’re fully protected for the season ahead.
Stay safe and enjoy the beauty of spring!