Before the First Frost: 5 Smart Insurance Moves to Make This Fall
Fall is here—leaves are turning, temperatures are dropping, and the holiday season is right around the corner. While you’re busy raking leaves and swapping out summer decor for cozy blankets, don’t forget to give your insurance coverage a seasonal check-up. At LG Insurance, we help homeowners, drivers, and families make sure they’re fully protected as the months get colder 🍂.
👉 Schedule your fall insurance review today to ensure your home, auto, and personal coverage are ready for whatever this season brings.
1️⃣ Review Your Homeowners Coverage
Autumn weather can bring high winds, early frost, and heavy rain. Take time to:
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Check your coverage limits and make sure they reflect any renovations or updates to your home.
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Confirm storm and flood protection if you live in a coastal or flood-prone area.
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Ensure your liability protection covers slips and falls on wet leaves or icy walkways.
2️⃣ Update Your Auto Insurance
Driving in fall comes with unique risks: wet leaves, shorter days, and unpredictable weather. Now’s the time to:
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Make sure your collision and comprehensive coverage is up-to-date.
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Review your roadside assistance and accident forgiveness options.
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Check that all drivers in your household are properly listed on your policy.
3️⃣ Protect Your Belongings
Fall is also a season for new gadgets, back-to-school electronics, and holiday shopping. Consider:
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Personal property updates for high-value items you’ve added over the year.
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Identity theft or personal cyber insurance to guard against online scams and fraud during peak shopping season.
4️⃣ Review Life & Health Policies
The change in season is a great reminder to check on the coverage that protects you and your family:
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Update beneficiary information on life insurance policies.
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Ensure health and disability coverage meets your current needs.
5️⃣ Bundle and Save
Autumn is a perfect time to explore bundling options:
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Combine home and auto policies for potential discounts.
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Ask your agent about multi-policy savings and coverage simplification.
🍁 Don’t Wait Until the First Frost
A little preparation now can save big headaches later. At LG Insurance, we make it simple to review your policies and make adjustments before winter arrives. Protect your home, your car, and your family—because peace of mind shouldn’t be seasonal.
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