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How Daylight Savings Time Impacts Your Insurance: What You Need to Know

As we prepare to “spring forward” and move our clocks ahead one hour, it’s important to remember that the time change can affect more than just our sleep schedule. It can also impact our insurance policies.

When it comes to car insurance, the time change can mean that you’re driving during different lighting conditions. If you typically drive to work in the morning when it’s still dark outside, you may now find yourself driving home when it’s dark as well. This can increase your risk of accidents, so it’s important to make sure your car insurance policy is up-to-date and provides adequate coverage.

Similarly, if you have a home insurance policy, the time change can affect your property’s security. With the sun setting later in the day, it may be more tempting for burglars to target homes that appear unoccupied. Make sure your home insurance policy includes coverage for theft and take steps to secure your property, such as installing motion-activated lights or a security system.

When it comes to life insurance, the time change is a good reminder to review your policy and make sure it still meets your needs. Life insurance is designed to provide financial protection for your loved ones in the event of your death, so it’s important to make sure you have enough coverage to meet their needs.