Spring is when people start tackling projects, making plans, and getting organized. But there’s one thing that often gets overlooked…
Insurance.
At Camargo Insurance, we tend to see the same patterns this time of year. Small assumptions that can turn into big (and expensive) surprises.
Here are five of the most common insurance mistakes we see every spring and what to do instead.
1. “I don’t need to review my policy every year.”
What people assume:
If nothing major happened, there’s no reason to check your coverage.
What we see:
A lot can change in a year. Home values increase, replacement costs rise, and coverage needs shift.
What to do instead:
A quick annual review helps make sure your coverage still matches today’s reality not last year’s.
2. “My home insurance covers everything.”
What people assume:
If something happens to their home, it’s fully covered.
What we see:
Gaps around things like:
- Sewer backup
- Flooding
- Wear and tear vs. sudden damage
- Detached structures or upgrades
What to do instead:
Understand what’s not covered and where a small endorsement can make a big difference.
3. “I have enough liability coverage.”
What people assume:
Their auto and home limits are more than enough.
What we see:
Liability claims can escalate quickly, especially with rising medical costs and litigation.
What to do instead:
Consider an umbrella policy to extend your protection beyond standard limits. It’s often more affordable than people expect and provides meaningful peace of mind.
4. “My life insurance through work is enough.”
What people assume:
Employer-provided life insurance covers their needs.
What we see:
Most group policies are limited (often 1–2x salary) and don’t follow you if you change jobs.
What to do instead:
Look at life insurance as part of your overall financial plan, something that protects your family long-term, not just while you’re employed.
5. “That email/text about my policy looked legit.”
What people assume:
If it references their insurance, it must be real.
What we see:
An increase in phishing attempts and insurance-related scams, especially around claims and billing.
What to do instead:
- Don’t click unfamiliar links
- Verify directly with your agent
- When in doubt, pick up the phone
The Bottom Line
Most insurance issues don’t come from big mistakes, they come from small assumptions over time.
Spring is a natural time to reset.
A quick check-in now can help you avoid surprises later. And make sure your coverage actually fits your life today. Give us a call at (513) 561-5311.