A Fort Worth Home & Auto Insurance Guide
If you haven’t reviewed your insurance policies in the last 12 months, there’s a good chance your coverage no longer matches your life—or today’s insurance market.
At James Little Insurance Agency in Fort Worth, TX, annual insurance reviews are one of the most important ways we help clients avoid coverage gaps, surprise claim denials, and unnecessary premium increases.
Here’s what a good insurance agent should be reviewing with you every single year—and why it matters more now than ever.
1. Coverage Limits (Not Just the Price)
One of the biggest mistakes homeowners and drivers make is focusing only on premium. But coverage limits are what actually protect you when something goes wrong.
Your agent should be reviewing:
- Home dwelling coverage (rebuild cost vs. market value)
- Personal property limits (especially after large purchases)
- Auto liability limits (are state minimums enough anymore?)
- Medical payments & loss of use coverage
In Fort Worth, rising construction costs mean many homes are underinsured without the owner realizing it. An annual review helps keep coverage aligned with real-world replacement costs.
2. Deductibles & Risk Tolerance
Deductibles should reflect both your finances and your comfort level with risk.
Your agent should ask:
- Could you comfortably afford your current deductible in a claim?
- Does a higher deductible still make sense with today’s rates?
- Are wind, hail, or named-storm deductibles in play?
Texas weather—especially hail and wind—makes deductible structure especially important for Fort Worth homeowners.
3. Life Changes That Impact Coverage
Insurance should evolve as your life does. During an annual review, your agent should be asking about changes like:
- Buying or selling a home
- Renovations or additions
- New vehicles or teenage drivers
- Working from home or starting a side business
- Marriage, divorce, or growing families
Even small changes can create big coverage gaps if they aren’t addressed proactively.
4. Policy Exclusions You May Not Realize You Have
Many claims issues come down to exclusions—things people assumed were covered but aren’t.
Your agent should review:
- Water damage vs. flood insurance
- Sewer backup coverage
- Jewelry, firearms, or collectibles limits
- Business-use exclusions on home or auto policies
An annual review helps uncover these blind spots before a loss happens, not after.
5. Discounts & Bundling Opportunities
Insurance carriers change discounts frequently—and many are not applied automatically.
Your agent should be checking for:
- Home & auto bundling opportunities
- New security system or smart-home discounts
- Safe driver or claims-free credits
- Payment plan and loyalty discounts
At James Little Insurance Agency, we proactively shop carriers and review discounts so clients don’t leave money on the table.
6. Liability Exposure (This Is a Big One)
Liability claims are increasing nationwide, and Texas is no exception.
Your agent should evaluate:
- Whether your auto and home liability limits are still adequate
- If a personal umbrella policy makes sense
- Your exposure from rental properties, pools, dogs, or teen drivers
Many Fort Worth families are surprised to learn how affordable umbrella insurance is compared to the protection it provides.
7. Carrier Stability & Market Changes
The insurance market changes constantly—especially in Texas.
Your agent should be monitoring:
- Carrier appetite and underwriting changes
- Rate trends and renewal increases
- Whether your carrier is still competitive for your risk profile
A strong independent agent doesn’t just place your policy and forget it—they stay ahead of the market for you.
Why Annual Reviews Matter More Than Ever
Over the last few years, insurance carriers have tightened guidelines and increased rates across the board. That makes proactive policy reviews more important than ever.
An annual review isn’t about selling you something new—it’s about:
- Making sure your coverage still works
- Preventing unpleasant surprises at claim time
- Ensuring you’re protected, not just insured
Work With a Local Agent Who Reviews, Not Just Renews
At James Little Insurance Agency in Fort Worth, TX, we believe insurance should be reviewed—not auto-renewed and forgotten.
If it’s been a while since your last policy review, now is the perfect time to take a fresh look and make sure your coverage still fits your life.
–Local. Independent. Proactive.
-Contact James Little Insurance Agency today to schedule your annual insurance review.