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What to Do When Life Events Affect Your Insurance Coverage

When your life changes — whether it’s an exciting planned event or an unexpected accident — things can be confusing. How might your insurance coverage evolve? Are you still protected where it matters most? What should your first step be?

We’re here to help.

Take a look at what you should do when you experience life changes — and get in touch with your independent insurance agent with any specific questions!

What to do with your insurance when you experience life changes

Your household grows

What should you do if your family grows?

You might be preparing for a new baby or have older relatives moving into your home. Both of these things can affect the homeowners insurance coverage you need to keep everything protected!

Get in touch with your agent to talk about your upcoming changes. Together, they’ll work with you to develop the perfect plan.

Your kids get older

What happens when your kids get older?

Drivers licenses, graduations, first apartments, and more can be confusing not just for them, but for you as a parent too. Your children are likely acquiring more belongings of their own — maybe even cars or other key items of value — and it’s important to make sure they’re protected both in and out of your home.

Your independent insurance agent can walk you through what your homeowners insurance policy covers and if you might want to consider renters insurance. They’ll also give you advice on how to best set up your car coverage for the entire family!

You move

What should you do if you move to a new home or apartment?

Maybe you’re downsizing after the kids have left the nest — or maybe you’re upgrading to prepare for your growing family. Whatever your move looks like, your agent will be side by side to make sure your new residence is completely covered.

You adopt a pet

What happens when you adopt a pet?

Dogs can impact your insurance in multiple ways. They might change the coverage you need or even impact your premium rates! Your agent will help you navigate every step of the process so you can focus on enjoying your new family member.

You buy another vehicle

What should you do if you buy a new vehicle, boat, or other fun Midwest toy?

First things first: call your agent! You want to make sure all of your belongings are covered from the minute you start driving them. We’ll help you organize your auto insurance policies and add additional coverage as necessary.

You experience an accident

What if something goes wrong?

Whether you get rear ended while on a shopping trip, come home to find your basement flooded, or anything in between, your independent insurance agent will be there for you. Any accident — big or small — can affect your insurance rates. We’ll help you navigate the uncertain waters!

Need someone to always have your back?

That’s exactly what we’re here for at Lindow Insurance. No matter what life changes you go through, your independent insurance agent is there for you every step of the way. Get in touch with us today to get started — we can’t wait to meet you!

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