New year, new policy review
A new year is the perfect time to make sure your insurance coverage still fits your life. A lot can change over the course of twelve months, and meeting with your Horace Mann representative can help you start the year organized and protected. An annual policy review is one of the simplest ways to confirm that your limits, coverage and savings opportunities are all up to date.
Life changes could mean coverage changes
Maybe you bought a new car, updated your home or experienced a major life event last year. Even small changes can impact the type and amount of coverage you need. A yearly check-in ensures your policies reflect your current lifestyle and needs.
Replacement costs can shift over time
The cost of repairs, materials and replacements often increases from year to year. If your coverage limits have not kept pace, you could have less insurance than is needed to cover a loss. Your Horace Mann representative can help confirm whether your limits are still sufficient for your needs.
Dig into discounts
Are you paying more for insurance than you need to be? The new year is a great time to ask your Horace Mann representative about available discounts on both auto and home insurance. Multi-car, good student and anti-theft device discounts are just a few examples. You could save even more if you bundle your policies. Your representative can help identify any opportunities you may be missing.
Special belongings could use special coverage
If you have high-value items like jewelry, collectibles or specialized equipment, you may want to consider scheduling them under your home insurance policy. A basic policy has set limits for certain types of property, which means your most valuable belongings may not be fully protected. Scheduling individual items provides more complete coverage and allows you to avoid paying a deductible if these items are lost or stolen.
Start the year prepared
Taking a little time now to review your policies can make a big difference later. Whether you want to update coverage, explore savings or protect special belongings, your Horace Mann representative can help you begin the year with confidence and clarity.
Connect with your agent to schedule a household review and make sure your overall insurance and financial strategy is on track.
Horace Mann Insurance Company and its affiliates underwrite Horace Mann auto and home insurance. Not all products, coverages, discounts or benefits are available in all states.