5 New Year’s Resolutions for a Stronger Financial Future

Written by on 12/28/2015 5:22 AM . It has 3 Comments.

new year resolutions

Forget the “lose 30 pounds by February” resolution. This New Year, make resolutions that will keep you healthier and financially stronger in the years ahead. With just a few tweaks or additions to your current insurance policies, you’ll be in a more secure position when you tackle the sky-diving, marathoning, or mountain climbing resolutions.

1. Get Life Insurance to Protect Your Family

Depending on your age when you purchase your policy, the cost for life insurance can be very reasonable. Individuals who are healthy will get even better rates. You’ll know that your family is protected financially in the event of an untimely tragedy. Give yourself and your loved ones peace of mind this year.

2. Take a Home Inventory

Maybe you bought a new television in April or received a high-end computer for Christmas. Maybe you received some art or jewelry as a gift. Either way, your possessions have changed all year long. Taking a home inventory will give you an accurate list if you ever need to file a claim. It also allows you to determine if you have any expensive valuables that should have their own individual coverage. If you don’t feel like writing down and keeping a list, just take a video showing what you have in your home.

3. Get Healthy and Save On Your Health Insurance

Healthy living isn’t just for a longer life and cheaper life insurance. Get your weight under control, get off medications, and stop smoking for better health insurance rates, too. If you can show that you’ve been tobacco-free for 12 months, your insurance premiums can be lowered. For anyone who needs help to stop smoking, check out SmokeFree.gov.

4. Update Your Auto Insurance

Got a shorter commute than you had last year? Spending less time on the road now that you work from home? Make sure to update that information on your auto insurance policy and you’ll save on your premiums. 

5. Consider Flood Insurance

Living anywhere near a body of water puts you at risk of flooding, even if you’re not in a flood zone. One big storm or one broken levee or dam, and you could be wading through your living room. Don’t count on federal aid, either. If you’re not in the declared disaster zone, you’ll be out of luck. Even if your mortgage company doesn’t require flood insurance for your Charlotte home, it’s something to consider.

An annual insurance review will make sure you have the insurance you need and the right amount of coverage. It pays to look over your existing insurance policies with your insurance agent and discuss any changes in your life - from new jobs to old cars. Keeping your insurance current and up-to-date can save you money in the long-run and keep you and your family protected.

When you’re ready to review your current policies or purchase new policies to keep your future financially strong, Charlotte Insurance is here to help. Contact us today, and let’s take a look at your policies.

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