Spring is in the air! The days are getting longer, the flowers are blooming, and many of us are tackling our annual spring cleaning—sorting closets, deep-cleaning the house, and organizing the garage.
But there’s one important thing that often gets overlooked during spring cleaning: your insurance policies.
Just like your home, your insurance needs a good review every now and then to make sure it’s up to date and providing the protection you need. At Sharp Family Insurance, we believe spring is the perfect time to dust off those policies, check for any gaps, and make sure you’re getting the best coverage for your needs.
With Robyn Sharp and John Sharp leading our hometown agency in Hot Springs, Arkansas, we’re here to help you make sure your policies are in great shape—just like your freshly cleaned home!
Why Spring Cleaning Your Insurance Matters
Life changes fast. Over the past year, maybe you’ve:
- Bought a new car or paid off an existing one
- Renovated your home or replaced your roof
- Added a home security system
- Started working from home
- Bought expensive electronics, jewelry, or outdoor equipment
- Sent a child off to college
- Opened or expanded a business
All these changes can impact your insurance needs. If you haven’t reviewed your policies recently, you could be overpaying, underinsured, or missing out on discounts.
So, as you’re airing out the house and cleaning out the closets, take some time to give your insurance a good once-over, too.
Step 1: Review Your Home Insurance Policy
Your home is one of your biggest investments, and your homeowners insurance should reflect its current value and needs. Here’s what to check:
Is Your Coverage Amount Still Enough?
If you’ve remodeled your home, upgraded your kitchen, added a deck, or built a new storage shed, you might need to increase your coverage. The cost to rebuild a home has gone up in recent years due to inflation and supply costs—so your current coverage limits may not be enough.
Have You Installed a New Roof?
A newer roof can qualify you for lower premiums with many insurance carriers. Since Sharp Family Insurance is an independent agency, we can shop around to find the best discounts available for a home with a well-maintained or upgraded roof.
Are You Covered for Natural Disasters?
Hot Springs gets its fair share of storms, and spring is peak tornado season in Arkansas. Now is a great time to check if your policy covers wind and hail damage, or if you need to add extra protection.
If your home is near Lake Hamilton or another flood-prone area, don’t forget that flood insurance isn’t included in standard homeowners policies. You may need a separate policy to stay protected.
Step 2: Check Your Auto Insurance
Auto insurance isn’t just about meeting state requirements—it’s about making sure you and your loved ones are fully protected. Here’s what to check this spring:
Have Your Driving Habits Changed?
If you’re driving less, working from home, or have multiple cars but only use one regularly, you might be eligible for a low-mileage discount.
On the other hand, if you’ve added a new teen driver to your policy or recently upgraded to a new vehicle, your coverage may need adjusting.
Do You Have the Right Coverage?
Many people stick with the minimum liability limits required by the state—but that often isn’t enough. If you were involved in a major accident, would your insurance cover the damages, or would you be left paying out-of-pocket?
Are You Getting the Best Discounts?
At Sharp Family Insurance, we shop multiple carriers to find potential discounts for:
- Safe drivers
- Multi-car policies
- Bundling home and auto insurance
- Good students
- Military or first responders
If you’re not sure if you’re getting every discount available, it’s time to check in!
Step 3: Update Your Life Insurance Policy
Life insurance isn’t just a one-time decision—it should be updated as your family, income, and responsibilities grow. Here’s what to consider:
Have You Had Any Major Life Changes?
If you’ve recently gotten married, had a baby, bought a home, or changed jobs, your life insurance policy may need updating to reflect your current financial needs.
Do You Have Enough Coverage?
Many people rely on the basic life insurance provided by their employer, but it may not be enough to fully protect your family. A good rule of thumb is to have at least 10 times your annual income in life insurance coverage.
Are Your Beneficiaries Up to Date?
If you’ve recently had a new child, gotten divorced, or remarried, make sure your policy reflects who you truly want to benefit from your coverage.
Step 4: Review Your Recreational Vehicle Insurance
Spring is the time to dust off the boats, motorcycles, ATVs, and RVs—but before you hit the water or trails, make sure your insurance is up to date.
At Sharp Family Insurance, we help protect outdoor enthusiasts in Hot Springs with coverage for
Boats & Jet Skis, Motorcycles, RVs & Campers, ATVs & Side-by-Sides.
If you’ve bought a new toy or made upgrades, your policy may need an adjustment.
Step 5: Schedule an Annual Insurance Review
Just like your car needs regular maintenance, your insurance policies need a checkup, too. The best way to make sure everything is up to date? Schedule a free annual review with a professional.
At Sharp Family Insurance, we believe in old-fashioned, personal service—we take the time to sit down with you and review your coverage, answer any questions, and make sure you’re getting the best protection at the best price.
- We’ll look for any coverage gaps that could leave you vulnerable
- We’ll check for new discounts to help you save money
- We’ll help you bundle policies for extra savings
- We’ll make sure your deductibles and limits are right for your needs
Scheduling a review doesn’t cost you anything—but it could save you a lot of money and stress down the road!
Spring is all about fresh starts and new beginnings—so why not give your insurance policies the same attention you’re giving your home?
At Sharp Family Insurance, we’re proud to be a hometown insurance agency that helps our friends and neighbors in Hot Springs, Arkansas and surrounding areas protect what matters most.
If it’s been a while since you reviewed your policies, let Robyn Sharp and John Sharp help you spring clean your insurance and make sure you’re covered for whatever life throws your way.
Call us or stop by our office to schedule your free insurance review!
Sharp Family Insurance
www.sharpfamilyins.com/contact/
(501) 547-9474
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