Dave Lambertsen

Dave loves spending time with his 19 Grandchildren. Each one of them has a unique personality. They call him "Bapo." Sometimes they just call to video chat because they miss him. They are a great joy in his life.

Dave has been a State Farm Agent since 2002 and is dedicated to lifelong learning to keep up with current events and trends.

Fall is indeed a great time to review and update your insurance policies. Here are some steps you can take to ensure that your loved ones and possessions are protected in case of unforeseen circumstances:

• Review your current policies: Take a close look at your life, home, and auto insurance policies. Understand the coverage limits, deductibles, and any exclusions or limitations that may apply.

• Assess your needs: Consider any changes in your life or circumstances since you last reviewed your policies. Have you acquired new assets, such as a new home or car? Have you experienced any major life events, like getting married or having children? These changes may require adjustments to your coverage.

• Evaluate your coverage limits: Make sure that the coverage limits on your policies adequately protect your assets and loved ones. For example, if you've recently renovated your home, you may need to increase your home insurance coverage.

• Check for discounts and bundling options: Inquire about any available discounts or bundling options that can help you save money. Many insurers offer discounts for having multiple policies with them or for installing safety devices in your home or car.

• Consider additional coverage: Depending on your needs, you may want to consider additional insurance coverage. This could include umbrella insurance to provide extra liability protection, flood insurance if you live in a flood-prone area, or life insurance to financially protect your loved ones in the event of your passing.

• Update your beneficiaries and contact information: Ensure that your beneficiaries are up to date on your life insurance policies. Also, confirm that your contact information is accurate with your insurance provider, so they can reach you easily if needed.

Remember, insurance policies should be regularly reviewed and updated to reflect any changes in your life or circumstances. Taking these steps in the fall can ensure that you and your loved ones are adequately protected.