Happy New Year and Happy Get Organized Month!

Is there a better time of year to focus on getting your ducks in a row? You’re resolved to make this a great year—and we’re resolved to help you do it! Here are a few points to ponder as you give your life an organizational overhaul.

Auto Insurance

Do you have a new vehicle (or a classic one)? Does your vehicle boast a lot of high-tech bells and whistles? Is there a policy that rewards you for logging a low number of miles each year? What if you got your homeowners and auto insurance from the same carrier?

Are you prepared for a potential car crash? Do you have a kit in your car to help you through inclement weather or being stranded by the side of the road? Is your insurance card in your vehicle? If you have a smartphone, you might want to install the NAIC smartphone application WreckCheck to help you gather—and submit—information following a car crash.

Health Insurance

Health insurance can seem complicated and overwhelming, but fear not: we’re here to help! If you have questions about your policy, just give us a call.

But in the meantime, you may want to read through your health insurance documents and make note of the co-pays for in-network and out-of-network providers; check provider lists to make sure your healthcare providers are on them; and make sure you understand how much your deductible is.

Home Insurance

Are you planning a remodel or renovation? Have you accumulated any valuables? Remember that you should insure your property based on replacement value, not market value—and home improvements could increase the amount of home insurance that you need.

Do you have a new pet, a new pool, or some other reason that you need to increase your liability coverage? Do you live in an area prone to flood or earthquake? Damage to your home caused by flood or earthquake may not be covered by your homeowners insurance.

Have you updated your home inventory to include any of the gifts you received over the holidays? (Okay, we know some of you may not even have a home inventory to update. If that’s the case, please take some time to create one this year! You can click here for great tips to simplify the process.)

Life Insurance

Life insurance can help ensure that your family is protected if something happens to you. If you’ve experienced—or will soon be experiencing—a major life event such as getting married, having a baby, or buying a home, take a look at your life insurance policy if you have one… and consider getting one if you don’t.

For more than 25 years, Beall Financial and Insurance Services, Inc., has been helping corporations and individuals protect their most important assets. The agency’s client base covers a spectrum of niche businesses, such as craft breweries, that require specialized insurance packages and knowledge. With California offices in Redlands and Newport Beach, Beall Financial and Insurance Services serves clients nationwide.