Plan Insurance
Complete step-by-step checklist to plan insurance covering review active policies and compare premium rates, and essential action items.
Review active policies
Check health, auto, home, renter, and life insurance terms
Compare premium rates
Get quotes from competitors annually to check for lower rates
Confirm deductible limits
Evaluate if you should adjust deductibles based on savings
Verify listed beneficiaries
Review listed policy beneficiaries for life and account insurances
Store policy details digitally
Keep insurance cards and claims phone numbers easily accessible
Check policy coverage exclusions
Read what is not covered (e.g. floods, specific health tasks)
Confirm auto policy discounts
Ask for discounts based on safe driving or low mileage
Review disability insurance scope
Check if you have sufficient short and long-term disability cover
Evaluate life insurance needs
Ensure term life insurance covers outstanding family debts
Review home inventory listings
Take photos of home electronics and assets for claims backup
Verify umbrella liability limits
Check if you need extra personal liability insurance protection
Check pet health coverage rates
Verify cost limits on vet diagnostics and surgery claims
Verify health HSA policy matches
Confirm if health plan is compatible with tax-free HSA saving
Log insurance agent contacts
Keep broker cell numbers ready in your emergency directory
Review earthquake or flood riders
Add local climate disaster insurance if home zone warrants