As the yellow school buses return and morning routines shift, you’re focused on new backpacks, updated schedules, and getting your kids ready for a successful school year. But as you prepare them, have you stopped to ask yourself, “Am I truly covered for what the new school year might bring?”

Back-to-school season isn’t just about academics; it’s a major change in your family’s daily life, and it’s the perfect time to review your insurance policies. At Payne Insurance Group, we’re here to help you protect what matters most—your family, your home, and your vehicles.

Protecting Your Family: Health and Beyond

Your family is your number one priority, and their well-being is at the core of a good insurance plan. With new germs, school sports, and busy schedules, it’s a good time to ask a few key questions:

  • Is my family’s health insurance up-to-date? 🏥
    • Do you know which doctors and urgent care clinics are in your network near home and school?
    • Are you aware of your deductibles and co-pays for common school-related visits, like sports physicals or a sudden cold?
  • Have I considered life insurance?
    • This is an important question for any parent. Is your family financially secure if something were to happen to you or your spouse?
    • Could your life insurance cover things like tuition, your mortgage, or daily living expenses?

These aren’t always easy questions, but they are essential for giving your family a safety net in an uncertain world.

Protecting Your Home: Where Your Family Gathers

Your home is the hub of all the back-to-school chaos—and the sanctuary you come back to at the end of the day. As you get your house ready for the school year, consider your homeowners or renters insurance.

  • Is my home insurance ready for the school year? 🏡
    • Are your children’s new laptops, tablets, and expensive sports equipment covered in case of theft or damage?
    • If your high schooler or college student is moving into a dorm, are their belongings still covered under your existing policy? (Did you know that many policies offer limited coverage for students’ property away from home?)
  • What about liability?
    • If a friend or carpool child gets injured on your property, are you protected from liability?
    • Having a quick chat with one of our agents can help you identify any gaps in your coverage and ensure you’re adequately protected.

Protecting Your Vehicle: The School-Year Shuttle

The back-to-school rush often means more time on the road for drop-offs, pickups, and after-school activities. If you have a new teen driver in the house, these questions become even more critical.

  • Is my auto insurance ready for more time on the road? 🚗
    • Are all the drivers in your household listed on your policy?
    • If you have a young driver, are you taking advantage of available discounts, such as a “Good Student Discount” for their grades or a “Driver’s Education Discount” for a course they’ve completed?
    • Does your coverage offer roadside assistance for those unexpected flat tires or breakdowns?

These are all questions that deserve answers. A quick check-up now can save you a lot of stress—and money—down the road.

We’re Here to Help

You don’t have to navigate these questions alone. At every Payne Insurance Group location across the RGV, our agents are dedicated to helping you protect what matters most. We’ll review your policies, answer your questions, and ensure you have the right coverage for this new season of life.

Stop by any of our offices or give us a call today for a free, no-obligation quote. Let us help you start the school year with peace of mind.