For All Your Insurance Needs

Colt’s Commentary – March 2024

Hey there,

Spring is finally here which means, for some of you humans out there, it is time for spring cleaning. 

Many people choose to do some spring cleaning, in fact, a survey published by the American Cleaning Institute ACI showed that 80% of Americans Spring Clean every year. This is more than a 10% increase from 2021! 

All this talk about spring cleaning got me thinking about insurance and I am here to share some Springtime Insurance Considerations:

  • Spring cleaning is a great opportunity to take inventory of your belongings. Documenting valuable items is important and could be very useful in the unfortunate event of theft, fire, or other catastrophes.
  • Spring Break travel may take you out of the country. Review your health insurance to see if you are covered. We offer travel insurance that is reasonably priced that offers coverage outside the US.
  • Spring is a good time to check your house for maintenance tasks.  Clean out those gutters; caulk around your windows and doors; trim trees that are hanging close to your house or garage or that are in danger of falling in a storm.
  • If you didn’t change your smoke detector batteries when the time changed, make sure you do that now.
  • Review your policies. It’s a good idea to review your insurance (all kinds) once a year, if not sooner.  If you haven’t done so, Spring is a good time.  Read the explanation of benefits and declarations pages. Make sure your personal information is correct. Are the drivers and vehicles on your auto insurance policy correct? Has your home been updated?  Do you have a new mortgage company, or have paid off your mortgage? Did your driving habits change?  Make sure your coverage is up-to-date and protects you and your assets against potential risks.

Now, let’s hope we get some Spring weather! 



McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –


Website and content disclaimer: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify, or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.