Fall brings a palette of colors, cozy evenings, and the aroma of pumpkin spice. It’s a beautiful time of year, but it also signals the need for homeowners and car owners to review their insurance policies to match the season’s unique challenges. Here are essential tips to ensure you’re well-prepared.
Review Homeowner’s Insurance
The shift into fall can bring unpredictable weather, including storms that might cause unexpected damage. It’s vital to reassess your homeowner’s insurance to ensure it covers such events. This includes checking if your policy covers flood damage, which is often excluded from standard policies but crucial if you live in an area prone to sudden heavy rains.
Update Your Coverage
Have there been any new additions to your home or significant purchases that need coverage? Fall is a great time to update your home inventory and make sure everything is adequately insured. Similarly, any recent changes to your vehicle, like new safety features, could qualify you for discounts on your car insurance.
Prepare for Shorter Days and Longer Nights
With daylight saving time ending, you’ll find yourself driving more in the dark. Increased night driving and potentially foggy or wet conditions can lead to higher accident rates. Make sure your car insurance includes adequate collision and comprehensive coverage to handle any mishaps.
Safeguard Against Fall Specific Risks
For homeowners, cleaning gutters, inspecting roofs, and ensuring your heating system is up to par can prevent claims and thus protect your premiums. For car owners, checking your vehicle’s brakes, tires, and lights is crucial as you prepare for more challenging driving conditions.
Don’t let insurance worries keep you from enjoying the fall. At Evergreen Insurance, we’re ready to help you adjust your policies for the coming season, contact us today at 360-254-7166 for a detailed review of your insurance program!