Flowers are blooming, birds are singing, yet your house still feels like it’s stuck in winter. Spring cleaning can feel overwhelming, but if you break it down onto manageable tasks, you’ll end up with a refreshed home and refreshed insurance coverages. Here are some spring cleaning tips to get you started:
Clean one room at a time.
Cleaning your whole house can feel like a herculean task, so approach it one room at a time. Choose a room and make a list of what needs to be done to get it in top shape, and finish that room before you move on to the next.
Review your insurance policies the same way. Take on one policy at a time and make sure it still has the coverages and limits that you need. Look at your homeowners or renters policy, your auto policy, flood insurance, valuable items coverage, and any others you have. Also, don’t forget to review your health, life, and disability insurance, whether you get them individually or through your employer.
Organize and clear the clutter.
One of the biggest, and most daunting, parts of spring cleaning is getting rid of clutter that has accumulated over the last year (or more). Sort your belongings into categories: what you will keep where it is, what you’ll put in storage, what you can give away, and what you need to throw away.
Also, make sure your insurance policies cover what you need and aren’t cluttered with things you don’t need. Make sure your auto policy includes all of your current vehicles and drivers. Make sure your homeowners policy takes into account recent renovations. And make sure you understand what your health insurance covers—and what might be excluded or limited. Don’t hesitate to reach out to your or your employer’s broker with any questions.
Get the whole household involved.
Make spring cleaning a family affair. Even young children love to help out when you assign them age-appropriate chores. Put on some motivating music everyone (or at least almost everyone) loves as you all clean, and plan a reward for everyone as an incentive to get the work done.
And make sure everyone in your household has the coverage they need. Check your teens’ auto policies to make sure they’re covered as they need to be. And if your young adults under 26 are eligible for health insurance at their jobs, carefully look over your policy and theirs to see if they’re better off on their employer’s policy or yours. And don’t neglect life insurance policies, including for those who stay home or work part-time.
Don’t neglect seasonal chores.
Tackle outdoor chores, such as cleaning the grill, patio, and outsides of windows, as soon as the weather warms up, so you’re ready to enjoy the sun and warmth of spring and summer. Organize and put away winter clothing, bedding, and décor, so they’re ready for next year.
Do you have any warm-weather vehicles, like a boat or motorcycle? Do you have a vacation home? Make sure they’re properly insured so you can enjoy them without worry this summer.
Create new cleaning habits—and stick to them throughout the year.
A thorough spring cleaning is a great opportunity to establish ongoing cleaning habits that will make it easier in the future. Tackle your spring cleaning to-do list for even just 15 to 30 minutes each day, and keep up that habit even after you get the initial spring clean done.
Freshen up your insurance policies this spring along with your home. Speak with one of our agents to update and make sure you have the right coverage for your needs. Kamm Insurance Group is an independent insurance agent, which means we can compare coverage from many insurance carriers to get you the best fit for your needs and your budget!
Source: https://www.thespruce.com/spring-cleaning-a-complete-checklist-1900106
