Insurance is key to keeping your head above water when life throws unexpected curveballs your way. Unfortunately, most people fail to realize that getting insurance isn’t a “set it and forget it” matter. Policies should be reviewed and updated regularly to ensure they meet your current needs. This makes scheduling an annual review with your insurance agent essential to you and your family’s safety.

Why Schedule a Review

One of the most important reasons to schedule a review with your insurance agent is to confirm that your policies align with your needs and budget. If it’s been a while since you’ve done a review, you could be overpaying for homeowners insurance or missing out on discounts offered by combining certain policies. An annual review allows you and your insurance agent to determine where you can save or cut back while maintaining the most important elements of your policies.

What to Tell Your Insurance Agent

When you buy a house, a car, or bring home a baby, you need to notify your insurance agent of those changes. Many events can be forgotten or overlooked in the chaos of the year. When you meet with your insurance agent, tell them about any other changes that happened throughout the year, such as getting married or divorced, having a teen get their license, starting a new business, or purchasing large furniture, electronics, or jewelry. This allows your insurance agent to ensure your existing policies are providing sufficient coverage.

If it’s been more than a year since you last met with your insurance agent, it’s time to schedule a review. The agents at Hummel Insurance Services in Oakland, IA, can review your existing policies or give you an insurance quote for new policies. Whether you need home and car insurance or health and life insurance, they’re here to help. Request an insurance quote online or call (712) 482-6424 to schedule your annual insurance review.