🧟 The Insurance Zombie List: Policies You Bought Years Ago and Never Looked at Again
Some things have a way of coming back from the dead. Old Halloween decorations. Forgotten leftovers in the back of the refrigerator. That one costume you swear you’re going to wear again someday. And then there are your insurance policies.
You bought them years ago, tucked them away and haven’t really looked at them since.
Meanwhile, your life kept changing.
Welcome to the Insurance Zombie List—coverage that’s still walking around long after you stopped paying attention to it.
🏠 The Homeowners Policy From Three Renovations Ago
When you purchased your homeowners insurance, your house may have looked very different.
Since then, maybe you’ve remodeled the kitchen, finished the basement, built a deck, added a garage or made other significant improvements.
Those changes can affect your home’s replacement cost and your insurance needs.
If your policy hasn’t been reviewed since the renovation dust settled, it’s time to bring it back into the land of the living.
🚗 The Auto Policy That Doesn’t Know Your Life Changed
Your auto insurance was written based on your circumstances at the time.
But maybe your commute changed. You added another vehicle. Your teenager started driving. Someone moved into—or out of—your household. You’re driving significantly more or less than you used to.
Your auto policy shouldn’t be frozen in time while everything else changes around it.
💍 The Home Policy That Hasn’t Met Your New Stuff
Over the years, we tend to accumulate things. Jewelry. Electronics. Collectibles. Tools. Sporting equipment. Furniture. Maybe even a few things that are worth considerably more than you realize. Some valuable items may have coverage limitations under a standard homeowners or renters policy.
If your belongings have changed, it’s worth talking with your agent about whether your coverage should change too.
☂️ The Liability Limits You Chose Years Ago
Remember choosing your home and auto liability limits? Probably not.
As your income, assets and responsibilities grow, the amount of liability protection that made sense years ago may not be the right fit today.
This can also be a good time to ask your agent whether an umbrella policy makes sense for your situation.
💼 The Business Policy From When Your Business Was Smaller
Businesses rarely stay exactly the same. You may have hired employees, purchased equipment, added services, moved locations, increased revenue, started delivering products, added vehicles or changed the way you operate.
If your business has grown but your insurance policy hasn’t changed with it, that’s something worth reviewing.
Your insurance should reflect the business you’re running today—not the business you had several years ago.
🏡 The Policy That Still Has Old Information
Old mortgage company? Previous mailing address? Vehicle you sold? Driver who no longer lives in the household? Outdated contact information?
Sometimes the biggest insurance cleanup isn’t about buying more coverage. It’s simply making sure the information on your existing policies is still accurate.
🧟 Don’t Let Your Insurance Become a Zombie
You don’t need to obsess over your insurance policies every month. But you also shouldn’t buy them and forget about them for years.
An annual insurance review is an opportunity to sit down with us, talk about what’s changed and take another look at your current coverage.
You may discover something that needs to be updated. You may find an opportunity to adjust your coverage. Or you may learn that everything still looks good. Either way, you’ll know your insurance isn’t just wandering around in the background like something from a zombie movie.
This October, take a few minutes to wake up those old policies and give them another look.
We will be happy to help—no zombie apocalypse required.