Late Summer, High Risk: 5 Insurance Check-Ups to Tackle Before Fall

August might feel like smooth sailing—sunny skies, BBQs, and that last burst of summer fun—but it's also the perfect time to take stock of your coverage before things get hectic in the fall.

Here are 5 quick insurance check-ups you can do right now to save stress (and maybe money) later:

1. Re-check your liability limits

Back-to-school carpools, end-of-summer road trips, backyard gatherings… August is full of activity. If your liability limits are still sitting at the state minimums, you could be one unexpected accident away from being undercovered.

Quick fix: Ask us if your limits are enough for your current lifestyle. We’ll give it to you straight.

2. Inventory your stuff (really!)

Bought a new TV? Upgraded your tools? Added a few backyard upgrades this summer? Your personal property coverage might not reflect it.

Quick fix: Snap photos or a quick video walk-through of your home and valuables—it’s a lifesaver if you ever need to file a claim.

3. Prep for wildfire season

The PNW is no stranger to late summer wildfires. Double-check that you’re covered not just for fire—but also smoke damage, temporary housing, and evacuation costs if it comes to that.

Quick fix: Ask us to review your home policy for wildfire gaps. We’ll help you breathe easier (even if the air’s hazy).

4. Check your deductibles

If you’ve bumped up your deductible to save on premiums, make sure your emergency savings could handle it. August is a great time to do a little financial gut-check.

Quick fix: Not sure what your deductible is? Let’s look it up together. No judgment—we’ve all forgotten.

5. Make sure life changes are reflected

New pet? New roommate? Started a side hustle from your garage? Your policy should reflect those changes.

Quick fix: Shoot us a message and we’ll make sure everything (and everyone) is properly covered.

☀️ Don’t wait for stormy weather to discover a gap.

A quick policy review now could save you thousands—and hours of stress—down the road.

💬 Reach out if you want us to take a look. No pressure, no jargon, just real talk about what you actually need.