How Often Should You Really Review Your Insurance Policies?

When’s the Last Time You Reviewed Your Insurance?
Be honest—has it been a while? You’re not alone. A lot of people set up their insurance policies, then forget about them unless something goes wrong. But the truth is, your life changes, and your insurance should keep up.

Whether you’ve moved, bought a car, had a baby, or just haven’t looked at your policy in years, reviewing your coverage can help you avoid gaps, catch savings, and make sure you’re not overpaying.

How Often Should You Review Your Insurance?
A good rule of thumb: once a year, at minimum. Even if nothing major has changed, it’s smart to check in and make sure your coverage still fits your needs.

But if you’ve gone through a big life event recently? That’s your cue to take a closer look.

When You Definitely Want to Review Your Coverage
Let’s break it down. You should review your insurance policies if any of these sound familiar:

• You bought a new house or moved into a new rental
• You got married or divorced
• You had a baby or adopted a child
• Your kid went off to college (or moved back home!)
• You started a new job, changed your income, or retired
• You bought or sold a car
• You took on a side hustle or started a small business
• You increased your savings or bought something valuable (like jewelry or a boat)

Basically, if your lifestyle or financial situation changes, it’s time to check if your insurance still matches up.

Why Even an Annual Review Matters
Even if your life’s been pretty steady, an annual review can still help you:

• Find discounts you’re not currently getting
• Adjust your deductibles if needed
• Make sure your limits are still realistic for today’s costs
• Avoid paying for coverage you no longer need

A lot can change in a year—rates, carrier options, available coverage, and even your own priorities.

What to Look At During a Policy Review
Here’s a quick checklist of what to go over:

• Are your coverage limits still enough based on your current assets or risks?
• Can you raise your deductible to save money—or is it too high to comfortably pay out of pocket?
• Are your beneficiaries up to date on life insurance policies?
• Do you qualify for new discounts (bundling, good driving, loyalty, etc.)?
• Has your lifestyle changed in a way that affects your coverage needs?

A 15-minute review could save you hundreds—or even more—down the road.

Need Help? That’s What We’re Here For
If all of this feels like a lot to handle, don’t worry—that’s where we come in. At National Insurance Brokers, we make reviewing your insurance easy. We’ll help you:

• Compare your current policy with what’s available today
• Spot any gaps or overlaps in coverage
• Find ways to save without sacrificing protection
• Get personalized advice based on your life and goals

As independent brokers, we work with multiple insurance companies, so we’re not tied to just one solution. Our only priority is helping you get the coverage you actually need.

Let’s Do a Quick Policy Check-Up
Not sure if your insurance is still a good fit? Let’s take a look together. A quick, no-pressure review could give you peace of mind—and possibly save you money.

Contact National Insurance Brokers today, and let’s make sure your insurance is working for your life right now—not the one you had five years ago.