Fall Prep Checklist: How to Make Sure Your Insurance is Ready for the Season

The seasons may not shift as dramatically in Arizona as they do elsewhere, but fall still brings changes that can affect your insurance coverage. Cooler evenings, increased travel, and holiday gatherings are just around the corner — making September the perfect time to review your policies.

​1. Check Your Roof and Gutters

Monsoon season may have left its mark. Inspect for missing shingles or clogged gutters and confirm your policy’s wind and storm damage coverage is up to date.

2. Review Liability Coverage Before Hosting Gatherings

Fall is prime time for backyard BBQs and early holiday parties. Make sure your liability limits protect you if a guest is injured on your property.

3. Consider Auto Updates for Seasonal Travel

Weekend trips to the high country are common in the fall. Review your auto policy for roadside assistance and uninsured motorist coverage before you hit the road.

4. Update Personal Property Coverage

Electronics, tools, and outdoor gear often get stored for the season. Double-check your policy’s personal property limits to make sure everything is covered in case of theft or damage.