The Last 100 Days: A Smart Time to Review Your Insurance

As the year races toward the finish line, we’re down to the last 100 days — a natural moment to pause and reflect. This season often has us thinking about what we’ve accomplished, what still needs attention, and what we promised ourselves we’d get done.

One crucial (but often overlooked) task? Reviewing your personal and health insurance coverage.

Life moves quickly — homes get upgraded, new drivers join the household, and health needs evolve. If your coverage hasn’t kept pace, you may have hidden gaps that could cost you later. Here’s a simple checklist to make sure you’re properly protected before the new year begins.

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1. Valuable Items

Has your collection of jewelry, electronics, artwork, or collectibles grown this year?

• Make sure they’re listed on your policy and insured for their current value.

• Take a quick inventory and note what’s covered — and what might need to be added.

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2. Homeowners or Renters Insurance

Your home is likely your largest investment.

• Have you renovated, updated your kitchen, added a deck, or made other improvements?

• Make sure your coverage limits reflect your home’s current rebuild cost.

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3. Auto Insurance

Car insurance isn’t “set it and forget it.”

• Have you added a teen driver?

• Switched vehicles or changed how you use them?

• Review your policy to ensure drivers, usage, and coverage match your current reality.

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4. Liability Protection

Life changes — and your liability protection should too.

• If you have a pool, trampoline, or pets, or if your assets have grown, check your umbrella policy.

• Ensure your liability coverage is high enough to protect what you’ve worked hard to build.

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5. Health Insurance

The last quarter of the year is a critical time to review your health coverage.

• Open Enrollment is coming up soon(Nov 1 – Jan 15 for Marketplace plans) — use this time to compare options and ensure your plan still fits your needs.

• Review your premiums, deductibles, and out-of-pocket maximums to see if they align with your budget and expected medical needs.

• If you’ve had life changes — marriage, a new baby, or a major medical event — confirm that your plan reflects your current situation.

• Don’t forget to maximize your HSA or FSA contributions before December 31st if you have extra funds available.

• Consider adding dental, vision, or supplemental coverage to round out your protection heading into the new year.

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Taking Action

Grab a notebook or open your phone’s notes app — jot down any questions or changes you notice as you go through this list. Then, connect with an insurance professional who can walk you through the updates.

Small adjustments now can prevent major headaches later. This quick review is one of the easiest ways to protect your home, health, and peace of mind as you head into the new year.