A Simple Tune-Up for Peace of Mind
As the year winds down and life starts shifting into winter mode, it’s a great time to pause and take a quick look at your insurance coverage. A lot can change in twelve months — homes improve, families grow, new drivers get their licenses, and cars rack up miles (or sometimes fewer miles than expected).
At Page Insurance Ltd., our job is to make sure your protection still fits your life. The best policies aren’t necessarily the cheapest or the newest — they’re the ones that quietly, reliably protect you when you need them. A year-end checkup helps ensure everything is still aligned.
Here’s a quick, simple way to review your coverage before heading into the new year:
1. Home Updates & Improvements
Did you complete any projects this year — finishing a basement, renovating a kitchen, adding a deck, or installing a generator?
Even modest upgrades can increase your home’s replacement cost. A quick review helps keep your coverage accurate and prevents any surprises if you ever need to file a claim.
2. Liability Protection (Home, Auto & Umbrella)
This is the coverage that protects your finances if someone is injured or you’re found legally responsible for damage.
If your net worth, income, or responsibilities grew this year, you may benefit from higher liability limits or adding an umbrella policy. It’s one of the most cost-effective ways to protect what you’ve built.
3. Changes in Driving Habits
Many people are commuting less, driving new routes, or using their cars differently than they were a year ago.
If:
- A teen driver was added
- Someone stopped commuting
- You bought or sold a vehicle
- A car is being used more (or less)
…it’s worth checking to make sure your auto policy reflects your current situation. This is also a good time to make sure your uninsured motorist coverage is protecting you at the right level.
4. Deductibles & Budget Planning
Heading into a new year is a great moment to confirm your comfort level with deductibles. A slightly higher deductible can lower premiums, while a lower deductible can provide predictable out-of-pocket costs if a claim happens.
It’s all about what fits your household best.
5. New Purchases or Valuables
Did you purchase any jewelry, electronics, collectibles, or special items this year?
Some belongings need to be specifically listed (or “scheduled”) to be fully protected. If you added anything meaningful or valuable, let’s review it together.
6. Rental Properties or Investment Homes
If you own rental property — especially 1–4 family homes — year-end is an excellent time to review:
- Liability limits
- Building coverage
- Loss of rents
- Tenant-occupied considerations
- Updates, repairs, or new tenants
The right structure can make a world of difference in the event of damage or liability claims.
A Quick Review Can Make a Big Difference
This isn’t about selling more insurance — it’s about making sure your coverage matches your life. Most people don’t think about their protection until they need it, but a 10-minute conversation now can prevent major headaches later.
If you’d like us to walk through your policies with you, just reach out. We’re always happy to help you make confident, informed decisions about how to protect what matters most.
Here’s to a safe, warm, and well-protected start to the new year.
Page Insurance Ltd.
Home • Auto • Umbrella • Small Business
Your local, experienced insurance resource
(203) 453-5258
service@pageins.com