When Is the Best Time to Reach Out to Your Insurance Agent Each Year?

Many people only contact their insurance agent when they need to file a claim or renew a policy. However, checking in with your insurance agent throughout the year can help ensure your coverage keeps pace with changes in your life. A simple policy review can identify coverage gaps, uncover potential savings, and give you confidence that you're properly protected before an unexpected event occurs.

Why Is It Important to Review Your Insurance Every Year?

Your insurance needs can change over time, even if your policies stay the same. Annual insurance reviews allow you to update your coverage, discuss changes in your lifestyle, and make sure your policies still provide the protection you need. Regular conversations with your insurance agent can also help you understand new coverage options or discounts that may be available.

What Life Changes Should Prompt a Call to Your Insurance Agent?

Major life events often affect your insurance needs. If your circumstances change, it's a good idea to contact your insurance agent as soon as possible so your policies can be updated accordingly.

Common reasons to review your insurance include:

• Buying or selling a home
• Purchasing a new vehicle
• Getting married or divorced
• Adding a teenage driver
• Completing home renovations
• Starting a business
• Purchasing expensive jewelry or other valuables
• Moving to a new address



Keeping your insurance policies current helps ensure your coverage reflects your current situation.

Should You Contact Your Insurance Agent Before Your Policy Renews?

Yes. Reviewing your insurance before your renewal date gives you time to evaluate your coverage, ask questions, and make changes before your next policy term begins. Your insurance agent can explain any premium changes, recommend updated coverage limits if needed, and review available discounts that may help lower your costs while maintaining the protection you need.

Can an Annual Insurance Review Save You Money?

An insurance review isn't just about making sure you have enough coverage—it may also help you identify opportunities to save money. Depending on your situation, your insurance agent may recommend bundling policies, adjusting deductibles, applying available discounts, or comparing coverage options from multiple insurance companies. Small changes to your policy could make a meaningful difference in both your protection and your premium.

How Can an Independent Insurance Agent Help?

Unlike agents who represent only one insurance company, an independent insurance agent works with multiple insurance carriers to compare coverage options and pricing. They can review your current policies, explain any coverage gaps, answer your insurance questions, and help you make informed decisions based on your changing needs. Having a trusted insurance professional available throughout the year ensures you always have someone to turn to when life changes.

Schedule Your Annual Insurance Review With Wentworth Insurance

The best time to contact your insurance agent is before you need to file a claim. At Wentworth Insurance, we've been helping individuals, families, and businesses protect what matters most for more than 25 years. Our team of over 60 insurance professionals is licensed in 48 states and works with multiple trusted insurance carriers to review your coverage, answer your questions, and help you find the right protection for every stage of life. Contact Wentworth Insurance today or fill out our online contact form to schedule your annual insurance review.