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Homeowners or renters insurance.

Insuring your home and its contents is a must. Here are some items to consider:

Do you have an inventory of your belongings and where is it?

Does the policy cover the cost of replacement or just the cash value of items?

Should you increase the deductible to reduce the premium level?

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Auto insurance.

Does your collision and comprehensive coverage reflect the value of your auto?

Are you taking the highest level of liability coverage?

Are you taking advantage of any security system or good student discounts that may be available?

Should you increase the deductibles to reduce your premium level?

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Umbrella liability insurance.

Extra coverage, beyond what is included in your homeowners and auto policies, is usually available at very reasonable rates.

Do you have enough coverage?

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Health insurance.

If provided by your employer, are you taking full advantage of it?

Have you chosen deductibles that are reasonable in relation to your needs to keep premiums as low as possible?

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Disability insurance.

Do you have adequate short-term and long-term coverage?

Be sure to understand all the details such as waiting periods, disability definitions and any total limits.

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Long-term care insurance.

Many start looking at long-term care policies at about age 50. With rising nursing home costs, it may be prudent to review this type of protection.

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Life insurance.

Are you taking advantage of employer sponsored coverage or coverage that is available through a professional organization?

If purchasing individual coverage, do you have enough? Many suggest that the primary breadwinners should have insurance equal to 6 to 10 times their annual incomes.

Have you considered whether term or whole life (cash surrender value) policies provide the right combination of coverage and financial security?

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Your insurance agent.

Have you considered consolidating your insurance relationships with one company to get reduced premiums and preferential service?

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Your insurance company.

Review the financial status of all your insurance companies. Information is probably available from your agent, at your library or on the Internet. You want to be sure the company will be around if you need them.

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