Spring Cleaning Tip: Review Your Home and Auto Insurance in 2025

Spring is here—a season for fresh starts, clean spaces, and renewed energy. While you're dusting baseboards and decluttering closets, it's also the perfect time to take a closer look at something just as important: your home and auto insurance policies.

With rising insurance rates across California and new risks emerging in 2025, now is the ideal time to ensure your coverage still fits your lifestyle, assets, and budget.

Why Review Your Insurance Each Spring?

Just like your home needs annual upkeep, so do your insurance policies. Here’s why:

1. Life Changes Mean Coverage Needs Change

Have you:

Renovated your home?
Bought a new car?
Added a teen driver?
Gotten married or had a baby?

All of these events could impact your home or auto insurance needs, and failing to update your policies could leave you underinsured—or paying more than you should.

2. You Might Be Missing Out on Savings

Carriers frequently update their rates, discounts, and underwriting guidelines. A quick policy review could uncover:

Multi-policy discounts
Safe driver rewards
Home security discounts
Bundling opportunities

Working with an independent agent like Dana Brown ensures you’re not leaving money on the table.

3. Coverage Gaps Can Be Costly

If it’s been more than a year since you looked at your policy, you might have outdated limits or missing coverage—especially with inflation driving up replacement and repair costs in California.

You’ll want to check:

Dwelling coverage and replacement cost
Liability limits
Comprehensive and collision options
Deductibles and exclusions

4. Insurance Markets Are Shifting in California

In 2025, many homeowners are feeling the pressure from limited coverage options due to wildfires and insurer withdrawals. Reviewing your policies now can help you prepare in case your current insurer changes coverage or non-renews your policy.

What Should You Look for During Your Spring Insurance Review?

Use this quick checklist to get started: ✅ Are my coverage limits still accurate for today’s replacement costs? ✅ Have I added or removed any vehicles, drivers, or major home upgrades? ✅ Am I eligible for new discounts or bundles? ✅ Do I understand what is and isn’t covered? ✅ Has anything changed that might affect my premiums or risk?

Get Expert Help – Contact Dana Brown Today!

You don’t have to sort through your policies alone. Dana Brown is here to help you navigate the changes, compare quotes, and make sure your home and auto coverage still works for you in 2025.

Let’s make your insurance as fresh and ready as the rest of your spring-cleaned home.

📞 Call Dana Brown today for a complimentary policy review!

Dana Brown | CD&G Insurance License #4258080

Phone: 510-250-1854 Email: Dbrown@cdginsurance.com

Cook, Disharoon & Greathouse License #0B33236