Fall is here. The air is cooler, the leaves are starting to turn, and routines are shifting. As we trade in swimsuits for sweaters and iced tea for hot coffee, it’s also time to prepare for the risks that come with a new season — especially when it comes to your insurance.

Weather Changes Bring New Hazards

September marks the start of fall storms. Heavy rains, high winds, and early cold snaps can all cause damage to your home and property. Check your homeowners insurance to make sure you’re covered for roof damage, fallen trees, and water backups. It’s also smart to inspect your gutters and trim any overhanging branches before a storm makes its way through.

If you’ve made updates to your home this summer — like a new roof, fencing, or even outdoor upgrades — now’s the time to update your policy. Underinsuring your home could cost you later.

Roads Are Busier Than Ever

With school back in full swing and fall activities picking up, the roads are busy again. That means more traffic, more distractions, and higher chances of accidents. Review your auto insurance coverage and make sure your limits reflect your current needs. If you have a teen driver, ask about discounts for good grades or safe driving habits.

It’s a Great Time to Bundle and Save

As we ease into a new season, it’s also the perfect time to simplify your insurance and get ready for new risks. Bundling your home and auto policies can save money and reduce hassle — and who doesn’t need that as the holidays approach?

Not sure where to start? That’s what we’re here for.

Call 816-847-1911 or message us on Facebook or Instagram @CombinedInsuranceServiceLLC. Let’s make sure your insurance is ready for whatever fall brings. Follow us on TikTok @Combined.Insurance