Insurance Checkup
Life moves fast — but your insurance shouldn’t fall behind.
Whether you’re raising a family in Lenexa, running a business in Olathe, or planning retirement in Overland Park, a lot can change in a year. And if your insurance hasn’t kept up, it could leave you exposed to costly gaps.
The good news? You can do a quick 5-minute insurance checkup right now.
Here’s how to make sure your coverage still fits your life — and what to look for before your next renewal.
1. Has Your Home’s Value or Setup Changed?
- Renovated the kitchen?
- Added a deck or finished the basement?
- Bought a trampoline or installed a pool?
Why it matters: These improvements could increase your home’s replacement cost — or introduce new liability risks.
✅ Action: Make sure your dwelling coverage and liability limits reflect these updates.
2. Have You Bought, Sold, or Changed Vehicles?
- Upgraded your car?
- Added a teen driver?
- Started using your vehicle for delivery or side gigs?
Why it matters: Your auto coverage may need to be adjusted, especially if your vehicle’s use or value has changed.
✅ Action: Review your comprehensive, collision, and liability limits.
3. Any Life Changes in the Last 12 Months?
- Got married? Had a child?
- Changed jobs or income level?
- Started a business from home?
Why it matters: Major life changes often signal a need for life insurance updates or business endorsements.
✅ Action: Revisit your beneficiaries, income replacement needs, and business use clauses.
4. Are Your Valuables Properly Covered?
- Jewelry, collectibles, guns, or electronics?
- Anything stored offsite or in a storage unit?
Why it matters: Standard homeowners policies limit coverage on high-value items unless specifically listed.
✅ Action: Ask about scheduled personal property endorsements.
5. When’s the Last Time You Compared Rates?
Even if nothing’s changed, your rates may have — or your current carrier may no longer be the best fit.
Why it matters: Rates shift annually. You could be overpaying for the same coverage.
✅ Action: Get a no-obligation competitive analysis quote from an independent agent (hey, that’s me!).
Bonus: Download the Free Insurance Checkup Worksheet
We created a quick, printable PDF checklist you can use at home. It’s simple, local-friendly, and built for Kansas families.
Use the contact form below so I can get it to your email
Ready to Review Your Coverage? I Can Help.
As an independent agent based in Olathe, I work with families across Johnson County — including Overland Park and Lenexa — to make sure they’re covered for real life.
No pushy sales talk. Just honest guidance and affordable quotes from top-rated carriers.
Contact Today ! Call Paul at (913) 390-3220
