Valentine’s Day is all about trust, commitment, and feeling protected. But what if the relationship you should trust most, your insurance coverage, is quietly letting you down? On the surface, everything may seem fine. The policy renews each year. The payments go through. You feel secure. Until the moment something goes wrong and suddenly, the cracks start to show.

Just like relationships, insurance coverage can come with red flags. And ignoring them can be costly. Whether you are a homeowner, driver, or business owner, here are three warning signs that your insurance coverage may not be the true love you think it is.

Red Flag #1: You Have Coverage, But You Don’t Really Know What It Covers

If you cannot confidently explain what your policy actually covers, that is a problem. Many policyholders assume they are protected simply because they have insurance. In reality, coverage details, exclusions, and limits matter just as much as having a policy in place.

For example, a homeowner may assume water damage is always covered, only to learn that certain types of water losses, like seepage or backup, are excluded without added endorsements. A business owner might believe business interruption coverage applies to all shutdowns, only to discover it is limited to specific covered causes of loss.

True insurance protection should never feel vague or confusing. If your agent has not clearly walked you through your policy in plain language, that lack of transparency is a red flag.

Red Flag #2: Your Life or Business Has Changed, But Your Coverage Has Not

Relationships evolve. So do homes, families, and businesses. If your insurance coverage has stayed the same while everything else has changed, you may be underprotected without realizing it.

Consider a family that recently renovated their home, added a finished basement, or purchased higher value items like jewelry or collectibles. Without updating coverage limits or adding scheduled items, those improvements may not be fully insured.

For business owners, growth can be even riskier. Adding employees, new equipment, additional locations, or offering new services all introduce exposures that an outdated policy may not address. A policy written years ago may no longer reflect the reality of your operation today.

Insurance should grow with you. If no one is proactively asking questions about changes in your life or business, that is a sign your coverage may be falling behind.

Red Flag #3: Your Coverage Was Chosen Based Only on Price

Saving money is important. But choosing insurance solely based on price is like choosing a relationship based only on convenience. It might look good at first, but it often lacks long term protection.

Low cost policies frequently come with higher deductibles, lower limits, restrictive exclusions, or missing coverages entirely. For example, an inexpensive auto policy may not include adequate liability limits, leaving your personal assets exposed after a serious accident. A budget friendly business policy may skip cyber liability or employment practices coverage, two areas where claims continue to rise.

A strong insurance relationship balances cost with coverage. If the main selling point of your policy was that it was the cheapest option, it is worth taking a closer look at what you may be giving up.

True Love Looks Like Confidence and Clarity

The right insurance coverage should give you peace of mind, not uncertainty. You should feel confident knowing what is covered, why it is covered, and how it protects what matters most to you. A trusted insurance partner takes the time to identify gaps, explain options, and tailor coverage to your specific needs.

If any of these red flags sound familiar, it may be time for a second look. Contact your Hertvik Insurance Group agent today to review your coverage and make sure your insurance relationship is built on trust, clarity, and protection that truly has your back.