Annual policy review checklist

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Home

• Dwelling limit matches today's rebuilding cost
• I know my wind/hail deductible in dollars
• My roof is covered at replacement cost (or I know it isn't)
• Belongings are on replacement cost
• Jewelry, firearms and collections are scheduled if needed
• I have a current home inventory (photos or video)

Auto

• Liability limits protect my savings and home
• Comprehensive is on every vehicle I'd want repaired
• Every driver in the household is listed
• Uninsured motorist coverage is on the policy
• Roadside assistance and rental are included

Farm, ranch & business

• Every building is listed with a realistic value
• Livestock counts and values are current
• Equipment list is up to date
• Employees are covered by workers' comp
• Certificates of insurance are current

Life & liability

• Life coverage would pay off the mortgage and replace income
• Beneficiaries are up to date
• I've considered an umbrella policy

Unchecked boxes? That's what we're here for. Request a free review and send us your declarations pages.