Your Spring Insurance Checklist
- Home Improvements
- Personal Property Inventory
- Liability Coverage
- Vehicle Changes
- Windshield/Storm Protection
- Staffing or Equipment Updates (Business/Farm)
- Liability Exposure (Events & Seasonal Ops)
- Cyber Liability
Home Improvements: Update Your Policy with Confidence
Planning any renovations this spring? Even minor upgrades—like finishing a basement, adding a deck, or replacing your roof—can impact your home’s insured value.
Tip: Contact your agent after any home improvement project. Learn more about how remodeling can affect your homeowner’s policy here: https://www.iii.org/press-release/if-you-are-planning-to-remodel-your-home-notify-your-insurance-company-first-042712
Personal Property Inventory: Know What You Own
Spring cleaning is a great reminder to update your personal inventory. Add new purchases like ATVs, boats, tools, or outdoor entertainment systems.
Tool: Try this free home inventory app recommended by the National Association of Insurance Commissioners (NAIC): https://www.naic.org/consumer_home_inventory.htm
Liability Coverage: Safeguard Outdoor Gatherings
As outdoor BBQs and backyard parties return, it’s important to make sure your liability limits are enough in case of accidents or injuries on your property.
Read More: What is Personal Liability Insurance? https://www.nerdwallet.com/article/insurance/personal-liability-insurance
Vehicle Changes: Keep Your Auto Policy Current
Have you bought or sold a vehicle recently? Or maybe changed who’s driving? Your auto policy needs to reflect those changes to avoid surprises later.
Need help understanding coverage types? Visit this guide to comprehensive vs. collision insurance: https://www.progressive.com/answers/comprehensive-vs-collision-insurance/
Storm & Windshield Protection: Prep for Weather Risks
Spring storms can bring hail, heavy winds, and flooding. Confirm that your vehicle has comprehensive coverage and your home policy includes adequate storm protection.
Quick Tip: Learn about hail damage and auto claims here: https://www.allstate.com/resources/car-insurance/hail-damage
Farm or Business Updates: Reflect Operational Changes
Have you added new equipment, hired employees, or expanded services? These changes may require updates to your business or farm policy.
Explore: Small business insurance essentials: https://www.iii.org/publications/insurance-handbook/insurance-basics/small-business-insurance-basics
Event & Seasonal Operations: Adjust Coverage as Needed
Hosting events or starting seasonal work? Temporary or additional coverage might be necessary for protection against short-term liability risks.
Helpful Tip: Talk to your agent about an event rider or general liability umbrella policy.
Cyber Liability: Address Digital Risk Expansion
If your business has added more online services or e-commerce, cyber risks may have increased. Consider cyber liability coverage to protect against data breaches or hacks.
Learn More: Cyber Liability Insurance Basics: https://securityscorecard.com/blog/understanding-the-basics-of-cyber-insurance-what-you-need-to-know
