Spring Into Insurance: Why This Season Is the Perfect Time to Reevaluate Your Coverage
As the days grow longer and flowers begin to bloom, spring often inspires a fresh start — from cleaning out closets to planting gardens. But there's another area that deserves a seasonal check-in: your insurance coverage.
Just like your home or your car, your insurance policies need occasional maintenance to ensure they’re still protecting what matters most. Spring is the perfect time to dust off those documents and make sure you're covered for the months ahead.
1. Homeowners & Renters Insurance: Post-Winter Check
Winter can be tough on homes. Heavy snow, ice, and freezing temperatures may have caused damage that isn’t immediately obvious. Spring is a great time to:
Inspect your roof, gutters, and foundation.
Make necessary repairs before issues worsen.
Update your insurance if you've added new valuables or made home upgrades (like a finished basement or solar panels).
💡 Tip: Take new photos of your home and belongings for documentation — it helps streamline claims if you ever need to make one.
2. Auto Insurance: Ready for the Road Again
After months of snow tires and salt-covered roads, many drivers are ready to hit the open road again. Whether you're planning a spring break road trip or simply commuting in nicer weather:
Check your coverage limits, especially liability.
Consider roadside assistance if it’s not already included.
If you store a vehicle in winter, make sure it's fully insured before it goes back on the road.
🚗 Bonus: Warmer weather also means more motorcycles, bicycles, and pedestrians — so make sure your policy accounts for extra risks.
3. Flood Insurance: April Showers Bring... Water Damage
Standard homeowners insurance usually doesn't cover flooding. And with spring rain and rapid snowmelt, flooding can happen even outside designated flood zones.
Consider a flood insurance policy through FEMA or a private insurer.
Don’t wait — flood insurance typically has a 30-day waiting period before coverage kicks in.
🌧️ One inch of water can cause thousands of dollars in damage — don’t get caught off guard.
4. Reassess Life and Health Insurance
Spring is about growth — and life changes. Whether you’ve recently gotten married, had a baby, started a new job, or bought a house, it's worth reviewing your:
Life insurance coverage and beneficiaries.
Health insurance needs, especially if you’re planning outdoor activities or travel.
👨👩👧👦 If your family or financial situation has changed, your policies should reflect that.
5. Seasonal Toys & Equipment
Opening the pool? Dusting off the trampoline? Prepping your boat or RV? These fun additions can also add liability risks.
Ensure you have proper coverage for recreational vehicles.
Talk to your agent about umbrella insurance if your risk has increased.
🎉 Spring fun should come with peace of mind.
Final Thoughts: Spring Is for Fresh Starts — and Smarter Coverage
Taking an hour or two this season to review your insurance policies could save you from costly surprises later on. Reach out to your insurance agent with questions or updates — they’re there to help you make informed decisions.
So while you're tackling that spring to-do list, don’t forget your insurance checkup. It’s one more way to protect everything you're working so hard for this year.
