The start of a new year brings a perfect opportunity to reassess and review your insurance coverages. As life changes, so do your insurance needs. Whether you've experienced significant life events or subtle shifts in your circumstances, keeping your coverage up-to-date is essential.

Why Review Your Insurance Policies Yearly?

Annual insurance reviews ensure that your current policies align with your present life stage and financial goals. Factors such as purchasing a new home, getting married, having children, or changes in income can all affect the type and amount of insurance coverage you need.

Key Areas to Focus During Review

• Homeowners or Renters Insurance: Reevaluate your coverage to account for any home improvements or increases in the value of your belongings. Make sure your policy includes adequate loss of use coverage and personal liability protection.
• Auto Insurance: Check if you qualify for new discounts or if any policy adjustments are needed due to less driving or changes in your driving habits.
• Life Insurance: Ensure your life insurance coverage adequately protects your loved ones, especially if you have had major life changes such as marriage, divorce, or the birth of a child.
• Health Insurance: Reflect on whether your current health plan meets your medical needs and budget. Open enrollment seasons typically coincide with the new year, making it a convenient time for changes.

Working with a "Trusted Choice" Independent Insurance Agent

"Independent Agents" are licensed insurance experts that represent multiple insurers an can sell you a policy from any of the companies they represent. They are not bound to a single company and can represent a variety of insurers. This flexibility allows them to offer multiple options, helping you find the best coverage and price from a wide range of insurers. Independent agents act as your personal advisor.  They work for you, ensuring you have access to the best deals across different companies.

Start the new year with peace of mind by ensuring all your insurance policies are in order. This proactive approach can save you money and stress down the road, providing a safety net that aligns with your current life circumstances.

Rising Star Insurance Group...Protecting What Matters Most to YOU for over 40 Years