At Strickler Agency, Inc., we believe informed clients make better decisions about protecting what matters most. We regularly see avoidable coverage gaps and misunderstandings that can create frustration at claim time. Below are five common insurance mistakes—and simple ways to avoid them.
5 Common Insurance Mistakes to Avoid
1. Not Having an Agent Who Actually Knows You
The mistake: Using a call center or online-only policy can leave you without guidance when something changes—or when a claim happens.
How to avoid it: Work with a local agent who knows you, understands your complete insurance picture, and represents your best interests.
2. Being Underinsured Because Coverage Was Never Updated
The mistake: People buy a policy… then life changes. Renovations, new equipment, higher home values, or business growth aren’t reflected in coverage.
How to avoid it: Review your policy annually and anytime you renovate, buy expensive items, hire employees, or grow revenue.
3. Choosing the Lowest Price Instead of the Right Coverage
The mistake: Cheapest policies often mean higher deductibles, lower limits, or missing coverage until you actually need it.
How to avoid it: Compare coverage—not just price. Make sure limits and exclusions match your real risks.
4. Assuming “That’s Covered” Without Checking
The mistake: Many claims are denied because the policyholder assumed something was covered—water damage, cyber incidents, employee injuries, etc.
How to avoid it: Ask your agent directly: “Is this covered?” or “what gaps do I have in my insurance?” before a loss happens. A quick conversation can prevent an expensive surprise.
5. Ignoring Small Exclusions That Can Cause Big Problems
The mistake: Policies often exclude things like sewer backup, flood, cyber liability, or equipment breakdown—things that cause frequent losses.
How to avoid it: Ask about exclusions and whether endorsements can fill the gaps.
If you have questions about your coverage or would like us to review your policies, we’re here to help. Our goal is to make sure your insurance keeps pace with your life or business—without surprises. Please don’t hesitate to reach out.
This message is for general informational purposes only and does not alter policy coverage. Coverage is subject to policy terms, conditions, and exclusions.
