Don’t Be Spooked by Gaps in Your Coverage!

Avoid Scary Surprises This Fall with a Personal Insurance Checkup

As the leaves fall and pumpkins glow, there’s something else that might be lurking in the shadows—gaps in your insurance coverage. They’re not as fun as haunted houses or scary movies, but these financial frights can be truly terrifying if you’re caught off guard when the unexpected happens.

At Hertvik Insurance Group, we believe fall is the perfect time to review your personal insurance policies. Why? Because as life changes, your coverage should evolve too. The cozy months before winter offer a great opportunity to prepare before the year’s end.

Here are three spooky (but fixable!) insurance gaps that might be hiding in plain sight, and how you can sweep them away like cobwebs in the attic.

Homeowners Insurance That’s Underinsured

Your home might look protected, but are you really covered for a total loss?

Many homeowners are surprised to learn that the replacement cost of their home has gone up, especially with rising construction and labor prices. That quaint colonial you bought five years ago may cost significantly more to rebuild today.

Real-World Fright:
Imagine a kitchen fire spreads through your home. You submit a claim, only to discover your policy limits are thousands (or tens of thousands) below what it would take to rebuild. Suddenly, you’re stuck footing a large portion of the bill. That’s a nightmare no homeowner wants.

Fall Fix:
Have your home’s replacement cost professionally reviewed. Make sure your policy includes extended replacement cost coverage to provide a cushion beyond your dwelling limit.

Tricks Hidden in Your Auto Insurance

Your current auto policy might technically be legal, but that doesn’t mean it’s ideal.

Many drivers carry only the state minimum liability coverage. That may sound smart on the wallet—but it could backfire fast in a serious accident.

Real-World Fright:
Let’s say you’re found at fault in a crash that causes $75,000 in injuries to the other driver. If your policy only covers $25,000, guess who’s responsible for the rest? You are. That shortfall could haunt your finances for years.

Fall Fix:
Review your liability limits and consider adding umbrella coverage. This is an extra layer of protection that can save you from financial ruin. And don’t forget about comprehensive coverage for those classic autumn threats like deer collisions or fallen branches!

Creepy Gaps in Personal Property Protection

Do you know if your most valuable items are truly covered?

Standard homeowners or renters insurance policies come with limits on certain categories of personal property. Items like jewelry, collectibles, electronics, or high-end sporting gear.

Real-World Fright:
A break-in during your weekend away results in the theft of a $10,000 engagement ring. Your policy only covers $1,500 for jewelry losses.

Fall Fix:
Ask us about scheduled personal property coverage. It lets you protect high-value items individually, often without a deductible, and ensures you’re made whole in the event of theft, loss, or damage.

Don’t Let Gaps Haunt You—Let’s Review Your Coverage!

Before the snow falls and the holidays take over, treat yourself to something that brings peace of mind: a personalized insurance review from Hertvik Insurance Group.

Our team will help you uncover hidden risks, understand your current coverage, and fill any spooky gaps with smart, affordable solutions.

Contact us today to schedule your fall insurance checkup. Let’s make sure your policies are more comforting than creepy this season.