Back-to-School Prep: Don't Forget to Review Your Home and Auto Insurance

August 21, 2024

As summer comes to a close and the back-to-school season begins, families are busy with a whirlwind of preparations. From stocking up on school supplies to setting new routines, it’s a time of transition and excitement. Among all the hustle and bustle, one essential aspect often gets overlooked: reviewing your home and auto insurance.

Back-to-School Checklist: Don’t Forget Insurance!

While you’re checking off items on your back-to-school list, consider adding a review of your home and auto insurance policies. Here’s why it’s crucial and how you can ensure you’re adequately covered for the new school year.

1. Home Insurance: Safeguarding Your Home

With the start of the school year, your home becomes a hub of activity. Kids are coming and going, and there’s often an increase in foot traffic. Here are some reasons why reviewing your home insurance is essential:

• Increased Foot Traffic: More activity around your home means a higher risk of accidents. Check that your home insurance covers any potential liabilities, such as injuries that might occur on your property.

• Valuable School Supplies: From new laptops to high-end sporting equipment, make sure your home insurance covers these valuable items. If your child’s belongings are damaged, lost, or stolen, you’ll want to know they’re protected.

• Seasonal Changes: As the seasons change, so do the risks. Make sure your policy accounts for potential issues like weather-related damages or increased risk of burglary when the house might be empty during school hours.

2. Auto Insurance: Preparing for the School Commute

With the school year starting, your vehicle will likely see more use due to things like carpooling or driving to extracurricular activities. Examples of why updating your auto insurance is important:

• Increased Mileage: More driving means more wear and tear on your vehicle. Check that your auto insurance provides adequate coverage for any increased mileage and potential accidents.

• Young Drivers: If you have a teenager starting to drive, this is the perfect time to review your policy. Confirm that your insurance covers new drivers and provides the necessary protection for both your teen and your vehicle.

• Safety Features: Modern vehicles often come equipped with advanced safety features. Make sure your policy reflects these upgrades and offers potential discounts for enhanced safety technologies.

• Road Trip Coverage: If you plan on taking family road trips or vacations during the school year, verify that your auto insurance includes roadside assistance and coverage for travel-related issues.

Tips for Reviewing Your Insurance Policies

1. Check Coverage Limits: Confirm that both your home and auto insurance policies have adequate coverage limits to match your current needs and assets.

2. Compare Rates: Shop around and compare rates to ensure you’re getting the best deal for the coverage you need.

3. Update Personal Information: Make sure your policies reflect any recent changes, such as a new address or updated vehicle information.

4. Consult with a Goldenwest Insurance Agent: Contact a Goldenwest Insurance Agent to discuss any changes in your circumstances or coverage needs. They can provide personalized advice and updates.

Secure Your School Year and Beyond

As you prepare for the new school year, don’t overlook the importance of reviewing your home and auto insurance. Ensuring your coverage is up-to-date and comprehensive can provide peace of mind and protect your family against unexpected events.

By taking the time to review and adjust your insurance policies, you can focus on enjoying the school year, knowing that you’re well-protected at home and on the road.

Here’s to a safe, successful, and worry-free school year!

-Goldenwest Insurance Services