Let’s be honest… insurance isn’t something most people love thinking about. It’s not as fun as planning your next vacation or as urgent as fixing a leaky faucet. But when something unexpected happens (and life has a way of throwing curveballs), having the right insurance coverage can mean the difference between a minor inconvenience and a financial mess.
So if you’re unsure whether you have enough, or the right coverage, you’re not alone. And you’ve come to the right place.
Let’s walk through it together.
The Coverage Gap Problem
Too often, we see folks assume that just having insurance means they’re fully protected. And while that policy in your glovebox or buried in your inbox might technically be active, it doesn’t always mean it’s doing what you need it to do.
Here’s the reality: life changes. Quickly. The coverage you set up five or even two years ago might not reflect your current needs.
Have you…
Bought a house?
Had a baby?
Started a side hustle?
Or added a teen driver to the family?
All those things can impact your risk—and how well your insurance protects you.
Let’s Break It Down
Home Insurance
Your homeowners or renters insurance should be based on the REPLACEMENT COST of your home and belongings—not just what you paid for them.
Ask yourself: If the worst happened and you had to rebuild from the ground up, would your current policy cover it?
Also, think about your valuables. Jewelry, artwork, tech—sometimes these need extra coverage (called endorsements) to be fully protected.
Auto Insurance
If you only carry the state minimum, you could be exposing yourself to huge financial risk. Medical bills and property damage can add up fast. If you’ve vehicle has value, consider upping your liability limits and adding comprehensive and collision coverage.
Bonus tip: If you drive for a rideshare company or deliver food, let your agent know. Personal auto policies don’t usually cover that kind of work.
Life Insurance
If you have dependents—kids, a spouse, aging parents—life insurance is one of the most important gifts you can give. A good rule of thumb is coverage that equals at least 8–10x your annual income. But everyone’s situation is different.
Think: debts, college savings, lost income. What would your loved ones need if you weren’t there to provide?
Liability Insurance
Also known as “umbrella” insurance, this kicks in when your other policies reach their limit. It’s affordable, and it can protect your savings and future earnings if you’re sued after a major accident or injury.
Still Unsure? It’s Okay to Ask for Help!
You don’t have to figure this all out on your own.
One of the biggest misconceptions about insurance is that it’s a “set it and forget it” thing. But the truth is, your coverage should evolve as your life does.
That’s where we come in.
At Davis & Towle, we’re not just here to sell you a policy and disappear. We believe in relationships, not transactions. That means we’ll sit down with you, talk through your current situation, and help you understand what you’re covered for—and what you’re not.
No pressure. Just a real conversation about what matters to you and how to protect it.
Want to review your current policies? Reach out to one of our local agents today. We’ll take a look and help you feel confident that you’re protected, no matter what life brings.
