Check Your Policy Limits - Make sure you're adequately covered in case of an accident or natural disaster
When it comes to insurance coverage, being prepared and informed can be a powerful protection against the unexpected. Before life throws you a curveball in the form of an accident or a natural disaster, make sure to review your existing policy limits. Taking the time to double-check your existing coverage can be invaluable if something does happen down the line. While reviewing your limits won't prevent the worst from happening, understanding what your policy covers will save you a great deal of stress during those chaotic moments. In other words, take the time now - while everything is calm - to make certain you're properly covered.

Review Your Deductibles - Are they still appropriate for your current financial situation?
If you can't remember the last time you reviewed your deductibles, now's a great time to take a look. Deductibles are an important part of any financial plan and should be tailored according to your specific needs to provide the best protection and value for your money. Depending on how your financial situation has changed over the years, you may need to review and revise your deductibles accordingly. Taking a few minutes to go over whether or not they are still right for you could save you some cash in the long run.

Take Inventory of Your Home and Belongings in Case of a Claim
With the start of a new year comes the opportunity for fresh beginnings. One proactive way to kickstart this new year is by taking inventory of your home and everything in it. Having a detailed list can be an invaluable resource in case of an insurance claim. Though it may seem daunting to take stock of all the items that may have been accumulated over the years, focusing on one room at a time will make the task much more manageable. Plus, having your possessions inventoried and cataloged can give you peace of mind as well; even when you're out of town, you'll know exactly what you have where and how much they are worth should something occur. And if something does happen, you'll be able to provide an insurance adjuster everything they may need to get you back to where you were.

Know What's Covered - Understand the ins and outs of your policy so you can maximize its benefits
Knowing what's covered on your insurance policy can seem like a difficult task, but it doesn't have to be. Taking the time to better understand what's included in your policy can help you to get the most out of it, and ensure that you're covered for things you didn't even realize were part of it. Reaching out to an expert if you need further clarification and advice is also always helpful - chances are they will be more than happy to answer any questions you may have and lay out all of the details so that you know exactly what's included.

Shop Around - Compare rates and coverage from different insurance companies to get the best deal possible
Shopping around for the right insurance coverage is worth it if you are looking for ways to save money. Don't just pick the first option you find - compare rates and coverage from different insurers to make sure you get the best deal possible. It can be overwhelming, so why not enlist a Goosehead Insurance agent to handle all of that? They can give you informed advice on what type of coverage will be most beneficial for your needs, and they'll do the legwork of gathering quotes and finding competitive rates. You can also take advantage of our Digital Agent—an online quoting tool capable of presenting rates in less than two minutes, all while connecting you with our seasoned agents.

Review your portfolio to see if there are any other insurance policies you may need
With the ever-changing world we live in, our insurance policies need to change too. Sure, it may be tedious and feel a bit like you're going through a stack of old bills, but it really pays to review your portfolio now and then to make sure you are adequately covered. Have there been any big changes in your life recently such as buying a home or making a new addition to the family? It's important to remember that these types of events can affect what type of insurance policies may be applicable to your situation. Looking over your existing coverage and seeing if there are any other options available can give you peace of mind in knowing that you're ready for whatever may come up in the future.

Now that you're equipped with tips to start the new year off strong, it's time to take action. Follow these six simple tips and you'll be on your way to protecting yourself, your family, and your belongings. And if you're still feeling overwhelmed or have any questions, our team of experts at Goosehead Insurance is always here to help.

The contents of this article are for informational purposes only. You should not act or refrain from acting based on this information without first consulting a Goosehead licensed agent at We disclaim all liability for actions taken or not taken by you based on the contents of this article which is provided "as is." Goosehead makes no representation that this content is error-free.