These 5 common-sense insurance tips can save your finances and your sanity. Learn why coverage matters and how to avoid costly mistakes.

Let’s face it – insurance isn’t exactly a cocktail party conversation. (Unless you’re hanging out with us – then maybe.) But just like your morning coffee or that trusty weather app, it’s something you do not want to ignore. Whether you’re a new driver, a first-time homeowner, or someone who still thinks Renter’s insurance is not needed, these five insurance tips will help you protect what matters – without falling asleep mid-policy.

Shopping for insurance online is convenient – until it isn’t. You can spend hours clicking through quotes and still end up with a policy that doesn’t quite fit. Why? Because insurance is not a one-size-fits-all kind of deal.
This is where a good insurance broker or agent becomes your secret weapon. Tell them about your life – like the fact that your golden retriever has separation anxiety or that your side hustle now includes shipping handmade candles. The more they know, the better they can guide you. It’s like therapy but for your wallet and future.

Life changes. Fast. You might move, adopt a dog, get engaged, or decide to rent out your spare room to a friend (or your cousin “just for a few months” – which somehow turns into forever). All of these things can impact your coverage needs.
Your policy isn’t psychic – it won’t magically update itself. Take an hour once a year to sit down, sip something delicious, and go over your current coverage with your agent. It’s one of those moments you’ll thank yourself for later.

Look, I get it – those state minimums seem like a steal. But they’re also the bare minimum for a reason. They might cover a fender bender, but if someone gets hurt? Suddenly, that “bargain” coverage is leaving you with a five-figure bill and a whole lot of regret.

Think of insurance like pants: technically, shorts cover you, but are they going to protect you in a blizzard? Nope. If you’re wondering how much coverage you really need, check out our Auto Insurance Breakdown to learn more about what those limits actually mean.

Even if you’re not driving a car or living in a house you own, you still need protection. Renters insurance is super affordable and covers way more than you think – like if your laptop gets stolen from your car, or your neighbor’s overflowing bathtub turns your ceiling into a waterfall.
Running a business? You need General Liability. Kids depending on you? Life insurance. The bottom line: if you have stuff, people, or dreams worth protecting (which, hello, yes you do), there’s a policy for that.

We’ve all been there – trying to stretch the budget and telling ourselves, “Eh, I’ll just go with the cheaper plan.” But here’s the thing: cheap coverage might feel good today, but it can bite you hard tomorrow.

Imagine finding out your Home policy doesn’t cover water damage right after your upstairs neighbor floods your kitchen. Or learning your liability limit is too low when you get into an accident. These aren’t hypotheticals – they happen every day. And when they do, you are stuck paying out-of-pocket.

So no, it’s not about spending a fortune – it’s about being smart with what you spend. A good broker will help you find the right balance between solid protection and a reasonable price.

Insurance doesn’t have to be overwhelming. With a little common sense, the right guidance, and a willingness to review your policies once in a while (even if they’re buried in that junk drawer), you can stay protected without losing your mind or your money.

Need help figuring it all out? Don’t worry. That is literally what we do. Let’s chat and make sure your insurance actually does what you think it does.