A New Year Insurance Checklist for North Carolina Homeowners and Drivers

The new year is the perfect time for North Carolina homeowners and drivers to review their insurance policies. A thorough review can help you stay financially protected and confirm your coverage keeps pace with life’s changes. Here’s an insurance checklist to help you get started.

Review Your Homeowners Insurance

Your home is one of your most valuable assets. Take time to:

• Update your homeowners insurance policy if you’ve renovated, added new features or made significant purchases.
• Check your coverage limits to verify they reflect your home’s current value and contents.
• Review your deductible and consider if it still fits your budget.
• Confirm that you have coverage for risks common in North Carolina, such as windstorms or flooding. Standard homeowners insurance typically does not cover flood damage, so ask your agent about a separate policy, if needed.

Assess Your Auto Insurance

Whether you’re commuting daily or driving occasionally, it’s important to:

• Verify that your policy meets North Carolina’s minimum liability requirements.
• Consider if you need additional coverage, such as comprehensive or collision, especially if your vehicle’s value or usage has changed.
• Update your policy if you’ve added drivers, changed vehicles or moved.
• Ask about available discounts for safe driving, bundling policies or installing safety features.

Update Personal Information

Life changes can impact your insurance needs. Be sure to:

• Notify your agent of any changes in household members, marital status or employment.
• Provide updated contact information to make sure you receive important policy updates.

Schedule a Policy Review

Our team at Davis Insurance Group is here to help you review your current policies, identify gaps and recommend updates tailored to your needs as a North Carolina resident and motorist. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.