Spring! The flowers are blooming, the sun is climbing higher in the sky and there seems to be a little more pep in everyone’s step as the weather warms up. After a long winter, these brighter days may inspire you to get down to some spring cleaning and we have to say, that’s a great idea. When you’re spring cleaning this year, don’t forget to also clean up your insurance policies to make sure you’ve got the right coverage in place.

Spring is a great time to take a look at your insurance policies and assess your risk. Here are our tips for ensuring your policies are up-to-date.

How to Spring Clean Your Insurance

Home

Update Your Home Inventory

If your spring cleaning involves a clean out, you’ll want to take a look back at your home inventory. You’ll want to update your inventory to remove the items you’ve tossed out or donated to keep it up-to-date. Whether you own your home or rent it, a home inventory is essential for ensuring that your homeowners or renters insurance limits are suited to your needs.

Don’t have a home inventory? Now is a great time to create one. These apps can help you create an inventory and save it safely in the cloud.

After you clean out your home, you may make some new purchases to replace old or broken items. If you’re updating, don’t forget to add those new items to your inventory as well. A new sofa can be expensive and you’ll want to ensure that any new furniture or gadgets are covered by your homeowners or renters insurance. Call your insurance agent to make sure you have the appropriate personal property limits in place.

Check on Renovations and Repairs

Spring is a common time to get started on home renovations and repairs. If you’ll be making changes to your home beyond cleaning, make sure to give your insurance agent a call before you kick off your project.

Before you break ground on your updates, ensure you have the right types and amounts of insurance coverage in place. Your agent can help you think through all of your coverage needs that go along with this type of work, from hiring outside contractors to adding value to your home.

Car

Make Maintenance and Policy Updates

Spring cleaning your car can help reverse winter damage and make necessary repairs and updates. While cleaning your car, check on your tires, brakes, and alignment, as well as your wiper blades, coolant levels and air filter. Don’t forget to clean the undercarriage of your car, too - that’s where salt from wintery roads can do the most damage and cause rust.

While you give your car some TLC, don’t forget to think about your insurance needs. Assess the value of your car and determine whether it makes sense to add collision or comprehensive coverage to your policy. An agent can help with this and can help you walk through your policy to see if there are any coverages that need updating this spring.

Flood

Update or consider a policy

With spring rain and melting snow and hurricane season starting up in June, springtime is a good time to review your flood insurance needs. If you already have a flood insurance policy, review your policy and its limits to make sure they still apply, especially once you've taken an updated home inventory.

If you don't currently have flood insurance, now's a good time to give an insurance agent a call to see if you could benefit from this specific coverage.

 

The Bottom Line

Spring cleaning can help you assess your insurance needs and prepare for the season ahead. With a little bit of elbow grease and a call to your insurance agent, your home, car and insurance policies will be ready for spring.

 

Need help spring cleaning your insurance policies? Give one of our expert insurance agents a call at (844) 300-3364.

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