As the snow melts and the first signs of spring appear, March is the perfect time to “spring clean” more than just your closets. Whether you’re prepping for a Spring Break getaway or bracing for “April showers” (which have already started), here is how to protect your assets this month.
1. The “Post-Winter” Home Audit
Winter can be brutal on a home’s exterior. Before the heavy spring rains arrive, a small investment in maintenance can prevent a massive insurance claim later.
- Gutter Clearance: Debris from autumn and winter can clog downspouts. Clear them now to prevent water from backing up under your shingles or seeping into your foundation.
- Roof Inspection: Check for missing or curling shingles. With modern AI-driven aerial imagery becoming a standard tool for insurers in 2026, many companies may already be aware of your roof’s condition—stay ahead of them by fixing minor leaks now.
- Sump Pump Test: Don’t wait for a flood. Pour a bucket of water into the pit to ensure the pump triggers and drains correctly.
2. Spring Break Travel: Don’t Leave Protection at Home
If you’re heading out for Spring Break, your standard policies might have more “reach” than you think—but there are gaps to watch out for.
- The 10% Rule: Most homeowners and renters insurance policies cover your personal property anywhere in the world, but often only up to 10% of your total personal property limit. If you’re traveling with expensive cameras or jewelry, consider a policy endorsement.”
- Rental Car Reality: Check if your personal auto policy covers “loss of use” fees. If you wreck a rental car, the agency may charge you for the days the car is off the road; many standard policies don’t cover this, making the rental counter’s insurance a safer bet.
- Health Abroad: Most U.S. health plans offer limited coverage outside the country. A short-term travel medical policy is a low-cost way to avoid a six-figure bill for an emergency evacuation.
3. Daylight Savings Time
Daylight Savings Time is the traditional reminder to change the batteries in your smoke and carbon monoxide detectors. It’s a simple 5-minute task that saves lives and protects your home. This is also a good time to inspect your homes interior waterlines and hoses.