Important Insurance Reminders as We Move Into Fall

As the air turns crisp and the leaves start to fall, it’s the perfect time to enjoy football games, cozy sweaters, and pumpkin spice everything. But fall is also a season of transition, and with those changes come important reminders about your insurance. A little preparation now can help protect your home, car, and family before winter weather arrives.

Here are a few key insurance tips to keep in mind this fall:

1. Review Your Homeowners Insurance

Autumn weather can be unpredictable, bringing heavy rains, early snow, and windstorms. Take time to:

• Check that your roof, gutters, and downspouts are in good shape.
• Confirm that your homeowners insurance includes protection for storm damage.
• Review your coverage limits to make sure they reflect today’s rebuilding costs.

If you’ve made improvements to your home this year, like finishing a basement, upgrading your kitchen, or adding outdoor living space, be sure your policy is updated to cover the added value.

2. Prepare Your Car for Colder Weather

Frosty mornings and shorter days mean it’s time to get your vehicle ready for winter driving. Make sure your auto insurance provides the right level of protection for fall and winter risks, such as collisions or roadside emergencies. Also, ask your agent if you have:

• Roadside assistance coverage
• Rental car reimbursement
• Proper deductibles for your budget

And don’t forget a fall car check-up, tires, brakes, and windshield wipers are musts before the first frost.

3. Think Ahead to Holiday Travel

Fall often brings weekend trips, family gatherings, and upcoming holiday travel. If your family is hitting the road, confirm your auto coverage is ready for long drives. Flying somewhere? Travel insurance may be worth considering, especially if you’ve booked flights or vacation rentals in advance.

4. Update Life and Health Insurance

Fall is also open enrollment season for many health insurance plans. It’s a great opportunity to review your coverage and make adjustments for the year ahead.

And if your family has grown this year, or if you’ve had other life changes, it’s a good time to check your life insurance coverage and beneficiaries.

5. Bundle Up on Savings

Just like layering up for the season, bundling your insurance policies (like home and auto) could keep you extra comfortable with potential savings. Ask us to review your policies and see if bundling makes sense for your family.

Stay Protected This Fall

At Kimberly Vassal Coe & Weimer Insurance, we’re here to help you prepare for every season of life. As you enjoy the beauty of fall, take a few minutes to make sure your insurance coverage is ready for whatever the season may bring.

Call us today for a free quote or policy review: 610-459-4444