Heading into Fall? 5 Insurance Check-Ins to Do Before the Rain Starts

As the leaves start turning and the air gets crisp, it’s the perfect time to do more than pull out your sweaters—fall is also prime season for reviewing your insurance coverage.

Here are 5 quick insurance check-ins that can help you stay protected as we move into the cooler (and wetter) months:

1. Review Your Home Insurance for Seasonal Risks

In the Gorge, fall weather can bring windstorms, heavy rain, and wildfire smoke. Double-check that your policy covers not just fire, but smoke damage, roof issues, or water intrusion from storms.

🔍 Pro tip: “Full coverage” doesn’t always mean what you think it does—make sure you’re covered for the right risks.

2. Check Your Liability Limits

Fall = more guests over for dinners, football watch parties, and holiday prep. Now’s the time to make sure your liability coverage is enough in case someone takes a spill on your front steps or driveway.

3. Have a Conversation About Deductibles

Do you know how much you'd owe before your insurance kicks in? A higher deductible can save you money monthly—but it might be a surprise cost when something goes wrong.

4. Prep for College Moves

Got a kid heading off to school? If they’re taking a laptop, furniture, or car with them, make sure they’re still covered under your policy—or if they need separate renters or auto coverage.

5. Update Your Inventory

A quick photo walk-through of your home (or a list in your Notes app) could make filing a claim much smoother in the future. Bonus points for backing it up somewhere secure.

🍁 Wrapping It Up

Small changes now can prevent big stress later. If you're not sure where to start, we're always happy to take a look and make sure you're covered for what fall might bring your way.

📍 Local. Grounded. Here when you need us.

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