Avoid These 5 Insurance Mistakes Before You Buy
Buying insurance is one of the most important financial decisions you can make—but it’s also one of the most misunderstood. At Salt Jacket Insurance Group, we’ve seen firsthand how small mistakes can lead to big consequences down the road. The good news? With the right guidance, these pitfalls are easy to avoid.
Here are the top five mistakes people make when purchasing insurance—and how to make smarter choices:
1. Focusing Only on Price
The Mistake: Choosing the cheapest policy without understanding what it actually covers.
The Fix: Price matters, but value matters more. A lower premium might mean higher deductibles or limited coverage. At Salt Jacket, we help you compare not just cost, but coverage—so you get the protection you actually need without overpaying.
2. Underinsuring Their Property or Belongings
The Mistake: Estimating too low when it comes to the value of your home, vehicle, or personal items.
The Fix: An accurate valuation ensures you're not left with out-of-pocket expenses after a loss. We’ll walk you through a proper assessment so you’re fully protected, whether you’re insuring a starter home or a luxury vehicle.
3. Overlooking Liability Coverage
The Mistake: Thinking "It won’t happen to me," and skipping or minimizing liability coverage.
The Fix: Liability claims can be financially devastating. We recommend adequate coverage limits for home, auto, and business policies, and can also advise when an umbrella policy is worth considering.
4. Not Updating Policies After Life Changes
The Mistake: Forgetting to update policies after major life events like marriage, a new baby, moving, or starting a business.
The Fix: Life moves fast, and your coverage should keep up. A quick policy review with our team ensures your insurance still fits your lifestyle and responsibilities.
5. Trying to DIY Complex Policies
The Mistake: Buying insurance online without consulting a licensed agent, especially for more complex needs like business, flood, or life insurance.
The Fix: Some policies are simple—others are not. Our Salt Jacket agents take the guesswork out of insurance, helping you choose the right coverage for your unique situation across Texas, Colorado, Arizona, New Mexico, Arkansas, and Oklahoma.
Let Salt Jacket Help You Get It Right
Insurance should give you peace of mind—not headaches. Avoid these common mistakes by working with a trusted team who knows the ins and outs of coverage and cares about getting it right.
📞 Contact Salt Jacket Insurance today for a no-pressure consultation and policy review. We're here to protect what matters most—your home, your family, your future.