Review now if any apply: bought or sold a home, got married or divorced, had a child, changed jobs, added a teen driver, started a business, approaching retirement.
Home and property
Dwelling coverage equals current replacement cost (revalue every 2 years)
Separate flood policy is in place
Personal property limit covers all current belongings
High-value items (jewelry, art) are scheduled separately
Auto and liability
Auto liability limits are 100/300 or higher (TX minimum 30/60/25 is inadequate)
Umbrella policy covers at least $1M above home and auto
Uninsured motorist coverage is in place
Compared rates across carriers in the past 24 months
Life and health
Life insurance coverage equals 8-10x annual income
Beneficiary designations on all policies are current
Health plan deductible matches expected annual medical use
HSA is funded if enrolled in a high-deductible health plan
Business (if applicable)
GL or BOP limits reviewed against current revenue and contracts
Workers comp covers all current employees
Cyber liability limits match current data storage and client count
Group health benefits are competitive enough to retain employees
