Oro Valley Insurance Checklist

Take a few minutes to make sure your personal lines insurance is ready to protect what matters most.
Home Insurance
Review your dwelling and personal property limits
Check liability coverage in case of holiday guests or accidents
Confirm coverage for seasonal risks like frozen pipes or fire hazards
Update your policy if you've made recent renovations or purchases
Ask about bundling with auto for potential savings
Auto Insurance
Verify your coverage limits and deductibles
Make sure roadside assistance is included for winter travel
Check if your policy covers rental cars or loaner vehicles
Review your driving record for any changes that could affect premiums
Consider bundling with home insurance for a multi-policy discount
Confirm whether your carrier offers one deductible for bundled claims
Umbrella Policy
Review your liability limits to ensure they still match your lifestyle and assets
Confirm that your underlying home and auto policies meet the minimum coverage requirements
Consider increasing your umbrella limit if you've added property, vehicles, or other exposures
Make sure your policy includes coverage for holiday hosting and travel-related liability
Dwelling Fire Policy
Verify that your rental property is properly listed and occupied as intended
Check for coverage on loss of rental income in case of a claim
Review liability protection for tenants and guests
Ensure seasonal maintenance is up to date to prevent claims (e.g., heating, plumbing, roof)
General Tips
Confirm your contact info is up to date with your agent
Ask about available discounts (bundling, loyalty, safety features)
Schedule a quick policy review before the end of the year
Keep an inventory of valuables and recent purchases for easy claims processing