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By Bialke Agency

It’s Time for a Springtime Check-up of Your Home and Personal Property

As the weather starts to shift and the buds start to bloom, it’s the perfect time to take stock of possible property updates and fixes that should be on our radar this season.

We need a home and property check-up checklist, and a Spring insurance coverage check-up should be part of that list.

Bialke Insurance is here to help you navigate those seasonal property checklists.

Our first tip is to take a stroll outside the perimeter of your home and property.

Do you notice anything that needs to be addressed this season? Is there a tree that looks like it may be ill? Don’t let that tree fall and damage your property or your neighbor’s property.

Do you notice cracks in your foundation? Let’s avoid basement water damage before it’s too late.

How about a shifted and bulging sidewalk or sinking front porch or entry? Avoid possible insurance claims you can’t cover if a visitor or delivery person has an accident on your property.

Next, take a mental stroll around your property and make a list of anything new.

Maybe you’ve added a shiny new boat or ATV to your collection. Perhaps you finally built that dream garden shed, or SHE shed you’ve been planning for.
Did you purchase new computers or tech for your home office or high-valued jewelry on your recent winter vacation?

Whatever the case, make sure you add these items to your ‘inventory’ list and then forward a copy to your insurance agent. We want to know about these things so we can help you make some strategic decisions and adjustments to your coverage.

Remember, property like this isn’t covered under your standard homeowners or auto insurance. So, don’t leave unintentional gaps in your coverage that could leave you unprotected if something happens to your personal property.

It’s not just about new stuff. Take a look at the assets you already own.

Did you sell that old RV that’s been sitting in the driveway for years? Maybe you finally got around to fixing up or expanding the gazebo or patio area in the backyard.

Jot down any changes you’ve made to your property, big or small. This way, your insurance agent can help you make meaningful updates to your coverage that will accurately reflect your current situation, needs, and financial goals.

Some reading this might be thinking, “But why do I need to bother with all this insurance stuff? It seems trivial and a waste of my already limited time.” It really only takes you about 15 minutes, and we’d much rather hear you vent about a “tedious task” you hate to do than take a frantic call about someone stealing your boat or damaging your RV, and then we have to add insult to injury by telling you it’s not covered.

We live by the expression, “It’s better to be safe than sorry!”

You never know when disaster might strike, whether it’s a storm damaging your property or a mishap with one of your new toys. Having the right insurance coverage in place can save you a lot of stress and headaches down the line.

Here’s another take.

What if you’re paying to cover a boat you sold to your nephew last fall? With insurance rates on the rise, wouldn’t it be worth your time to take a tally of your home and property if it could save you money?

So, take a few minutes out of your day to review your insurance policy and make note of any changes to your property. Your future self will thank you!

If you have any questions or need help navigating your home and property coverage options, don’t hesitate to contact our team.

We’re here to help make sure you’re protected today and tomorrow — no matter what life throws your way.

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Thomas Allen professional headshot

Licensed Sales Professional

Thomas Allen

Thomas graduated from Winona State University with the intention of pursuing a career in insurance.

That decision was based on a passion to be a part of an industry that helps people in their time of need. He wants to be able to provide peace of mind so the clients he serves can live their lives worry-free.

In his free time, Thomas likes to watch college football, play guitar, and golf, and attend concerts with friends. He also enjoys just hanging out with his two puppies — Mauser and Jojo.