If you’re stumped about finalizing your New Year’s resolutions, why not decide to make sure you’re properly covered by your insurance for 2021? There are many potential cracks through which coverage can fall, so it would benefit anyone to take a few minutes and review some things about home and auto insurance in Scottsdale, Phoenix, or anywhere else, before the unknown occurs.

Making sure you and your household are properly protected is vital. Whether it involves your cars, your home, your life, medical coverage, or anything else, the peace of mind that comes with knowing you’re on track and protected is invaluable. A lot can change in a year – and this has never been truer than this past year with COVID-19. New changes call for new protections, so you can be prepared.

Following is a checklist of insurance-focused New Year’s resolutions so you can begin 2021 with protection-based peace of mind:

• Find out if your coverage limits for auto insurance in Phoenix are enough.
Being underinsured is one of the biggest and most costly mistakes people can make. Even though Arizona legally requires minimum liability coverage amounts, a lot of accidents cost far more than that minimum. The Insurance Information Institute recommends a minimum of $100,000 bodily injury coverage per person and $300,000 per accident. 

• Update your list of possessions for home insurance in Scottsdale.
Whether you own or rent your home, your personal possessions should be protected if you face an unexpected loss. It’s critical for this reason that you maintain an updated list of all of your belongings – and not just the most expensive stuff. Reassess everything you own and get your items documented for insurance purposes. 

• Review your life insurance policy.
Auto and home insurance in Scottsdale aren’t the only types of insurance you should have; life insurance is one of the few coverages that are guaranteed to be needed one day. It’s not security for you, but for the loved ones you will leave behind. While you certainly want enough coverage to pay for your burial costs, you’ll also want to consider adding coverage to pay for the bills you leave behind – including home, credit debt, and autos, for example – so your loved ones don’t have to bear the burden of payment. Also check your beneficiaries, because those you have listed on your life insurance policy override any you have named on your will!

In addition to life, auto, and home insurance in Phoenix, consider umbrella insurance. A personal liability umbrella policy can be an extra layer of protection for you that covers expenses that exceed primary coverage limits. Contact us today and let us help you find the best coverage and the best rates for all your needs. Get your free, no-obligation insurance quote online today!