There are times in our lives when we need to look at our insurance in depth.

Yeah . . . I know, it's probably not what you want to do on a nice day, or when your busy, or well . . . pretty much ever. BUT working with an independent agent (like me) can make reviewing your insurance painless. So if you want to feel good knowing you're covered and saving money, here are 8 times you need to look at your insurance.

#1 Teen Driver

Kids get into more and worse wrecks than any other age group, so having the proper coverage is huge. At the same time, and for the same reasons, young drivers are EXPENSIVE and every insurance company has different rates. So, unless you double check, there's a chance your current insurance company will go from being competitive to suddenly hosing you when you add that teen driver. This is #1 on the list because I cannot stress how important it is to check your insurance when adding a teen driver.

Car key with tag | Safford Insurance | Franklin MA
Baby with blue eyes - Time to look at your insurance

#2 Adding To The Family

Congrats on your new kiddo! And the massive responsibility that comes along with it . . . Along with Googling 'best diaper reviews,' now is the time to call your agent and review your life insurance needs. And hey, you can relax, life insurance tends to be surprisingly affordable.

#3 Marriage

Combining households creates all kinds of fun insurance changes and needs. Get with an independent agent to make sure everything gets lined up correctly for you and your new spouse.

Heart Hands Wedding Couple
Cut Divorce Docs

#4 Divorce

Umm, so that marriage thing didn't work out? Yup, just like everything else with a divorce . . . The insurance can get tricky. That's why it's really important to work closely with an independent agent to make sure everything goes smoothly as the household is separated.

#5 Moving

New house or apartment . . . Probably time for a new insurance policy! Plus, did you know that insurance companies change rates depending on where you live? So your current insurance company may no longer be the best value for you at your new location. Time to look at your insurance.

Hand truck with boxes
Cubes making the word 'Risk'

#6 You've Never Had A Thorough Insurance Review With An Independent Agent

You don't know what you don't know right? If you or your agent hasn't taken the time sit down and really get to know you, go over what your risks are, and help you determine if your current coverage is correct for your unique situation . . . You need get a thorough review.

#7 Every 5 years

Even if nothing else on this list applies to you, our lives change gradually over time, and the insurance industry is always changing as well . . . As a result, it's a good idea to do a thorough review of your insurance with an agent at least every 5 years.

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Graduate hugging dad

#8 Any other significant change in income, living circumstances, or wealth

Basically, anytime something significant happens in your life . . . It's time to call your agent and let them know. They may tell you that you're good to go or have suggestions on how to cover new risks that came with your life change.

And there you have it! If any of these apply to your life, I'd love to work with you to make sure the right coverage at a great value.

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About Greg Safford

Bringing over 15 years of insurance experience, Greg is client focused and passionate about helping individuals and businesses understand their insurance options so they are prepared for the unexpected. With so many options, Greg is dedicated to helping clients make educated decisions about protecting their assets. When not working with customers, Greg can be found hiking, fishing, or spending time with family.