A fact that many people often overlook is that getting insurance isn’t a one-and-done thing. For example, the policy you purchased when you had sparse furnishings after buying your home is no longer going to fit once you’ve outfitted your home with nice furniture and appliances.

Does this mean that you have to immediately call your insurance expert every time you buy a new piece of furniture?

Not necessarily. While significant life changes should be reviewed, such as getting married or buying a new car, you can report things such as upgrades to your home entertainment system during your annual insurance review.

These changes are important to keep up with to make sure you don’t have gaps in your coverage. Take thorough note of any and all changes that have occurred in the last year, even if you’re not sure if they’re significant enough to mention, to ensure that all of your insurance policies are best suited to your current life situation.

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