My client, Sara, called me after buying her dream home. She was excited about decorating, moving furniture, and starting this new chapter. Insurance was the last thing on her mind.
When we started talking, I realized she assumed that because she had a homeowners policy, she was fully protected. She had never been asked about replacement cost, water backup, jewelry, or whether her liability limits actually fit her family’s lifestyle.
She wasn’t looking for ‘better insurance.’ She was looking for peace of mind without even realizing it.
The problem wasn’t that she didn’t have a policy. The problem was that she didn’t know what questions to ask, and no one had taken the time to ask them for her.