As fall is here we need to all start thinking about reviewing our personal affairs including our insurance.  I know Insurance Stinks Until You Need It!  Insurance is not what you or I relish paying every month or year.  It is something we do not want to use and yet we need it.  Everyday clients are filing claims.  Hopefully, you are not one of those people.  A few get lucky and never have a claim.  I see millions of dollars being paid out on a regular basis to those who no long think that Insurance Stinks.  I don’t want you to be one of those but it is important that when you do file a claim that you have the right limits and coverage.  Why not pick up the phone today and do a review with your agent.  It doesn’t matter which policy you select.  Take them one at a time.  Things change.  Has your insurance portfolio kept up with those changes?