As the blossoms bloom and we embrace the rejuvenation that spring brings, it’s an opportune moment to refresh not just our homes but also our financial safeguards. At Leber Insurance Group, we encourage you to incorporate an insurance policy review into your spring cleaning routine. This proactive approach ensures that your coverage aligns with your current needs and offers optimal protection. 

Why Review Your Insurance Policies? 

Life is dynamic, and over time, changes such as purchasing a new home, renovating your property, or significant life events can impact your insurance requirements. Regularly reviewing your policies helps identify gaps in coverage, potential savings, and ensures that your beneficiaries and coverage limits are up-to-date.  

Checklist for Your Insurance Policy Review 

To assist you in this process, we’ve compiled a checklist of key considerations: 

1. Update Coverage Limits: Assess whether your current coverage limits reflect your present circumstances. For instance, if you’ve undertaken home improvements or acquired valuable assets, you may need to adjust your homeowners insurance to account for increased property value.  
2. Review Beneficiary Designations: Ensure that the beneficiaries listed on your life insurance policies are current. Life events such as marriage, divorce, or the birth of a child may necessitate changes to these designations. securian.com 
3. Evaluate Policy Deductibles: Consider whether your deductibles are set at a level that aligns with your financial situation. Adjusting deductibles can influence your premium costs and out-of-pocket expenses in the event of a claim.  
4. Explore Discounts: Inquire about available discounts that you may qualify for, such as bundling multiple policies, installing security systems, or maintaining a claims-free record.  allstate.com 
5. Assess Liability Coverage: Verify that your liability coverage is sufficient to protect your assets in case of unforeseen incidents. This is particularly important for auto and homeowners insurance policies. icnj.com 
6. Examine Policy Exclusions: Familiarize yourself with any exclusions in your policies to understand what is not covered and consider obtaining additional coverage if necessary.  
7. Compare Policy Options: Take the time to compare your current policies with other offerings in the market. This can help ensure you’re receiving the best value and coverage suited to your needs. 

Leber Insurance Group: Your Partner in Protection 

At Leber Insurance Group, we specialize in a comprehensive range of insurance products, including auto, home, business, life, and health insurance. Our team is dedicated to finding you the best possible prices by shopping through our network of over 20 carriers. We serve clients in Newtown, PA, the Greater Philadelphia Area, and throughout Pennsylvania. Learn more about our services here. 

Take Action 

Embrace this season of renewal by taking charge of your insurance needs. Contact us today at 267-291-7925 or visit our website to schedule a complimentary policy review. Let us help you ensure that your coverage is tailored to protect what matters most to you.