The start of a new school year is always a busy season. Between supply lists, sports schedules, and adjusting to new routines, it’s easy for important tasks—like reviewing your insurance coverage—to slip through the cracks. But fall is actually a perfect time to pause and make sure your family’s protection is keeping up with life’s changes.

Here are a few key areas worth a closer look:

1. Auto Insurance for Teen Drivers
If you have a teen who just got their license—or one who’s driving more frequently this school year—your auto policy needs to reflect that. Adding a young driver can change your premiums, but there are often discounts available for good grades, safe driving courses, or vehicles with advanced safety features. This is also a great time to talk with your teen about safe driving habits, especially if they’re driving to school, practices, or weekend activities on their own.

2. Renters Insurance for College Students
If your college student is living in a dorm or off-campus housing, their belongings may not be as protected as you think. Some homeowner policies extend limited coverage to dependents at school, but that protection can have gaps. A renters insurance policy is affordable and helps cover personal property (like electronics, clothes, and furniture) as well as liability protection. It’s peace of mind for both you and your student—especially if they’re juggling classes, part-time jobs, and a social life.

3. Reviewing Life Insurance Needs
Life insurance isn’t just for parents with very young children—it’s about making sure your family can maintain stability if something unexpected happens. Back-to-school season often marks a shift in expenses, activities, and responsibilities. If you’ve welcomed a new child, changed jobs, bought a home, or taken on more debt in the last year, it may be time to adjust your coverage. Life insurance can help ensure that college savings goals, household expenses, and even extracurricular costs can still be met, no matter what.

4. Double-Checking Beneficiaries
While you’re reviewing policies, make sure your beneficiary information is current. Life changes—marriages, divorces, new children—can all mean adjustments are needed. Outdated beneficiaries can cause confusion or delays when benefits are needed most.

5. Umbrella Coverage for Extra Protection
With kids involved in sports, driving, or part-time work, your family’s liability exposure can increase. An umbrella policy adds an extra layer of protection above your home and auto coverage, often for a relatively low cost.

The Bottom Line
Insurance reviews don’t have to be complicated or time-consuming. A short conversation with a trusted agent can help you understand your current coverage, spot potential gaps, and find opportunities to save money.

This back-to-school season, in between packing lunches and cheering at the sidelines, take a moment to revisit your insurance basics. Making sure your policies are up to date is one of the best ways to protect the people and plans you care about most.

If you’d like a personalized review before the busy fall months get into full swing, our team at Mark Reid Insurance is here to help. We can walk you through your options, explain coverages in plain language, and make sure your family is set up for a safe, secure year ahead.

Stop by and visit Mark and his team at their White House location next to Sonic at 411 Hwy 76, or check out their website.