7 Common Insurance Mistakes (and How to Avoid Them)

Buying insurance shouldn’t feel confusing — but for many people, it does.
At Sharpe Insurance Agency, we’re here to simplify coverage and make sure you’re protected without overpaying.

In this post, we’ll break down 7 common insurance mistakes people make — and how you can avoid them so you’re covered when it matters most.

1. Choosing the Cheapest Policy

A low price might feel like a win… until a claim hits.
Cheap policies often come with:

• Low liability limits

• Hidden exclusions

• High out-of-pocket costs

✅ Better approach:
Balance cost and coverage. Saving $10/month isn’t worth losing tens of thousands in a claim.

✅ 2. Not Updating Coverage After Major Life Changes

Life evolves — your insurance should too.

Update your policies when you:

• Move

• Buy/sell a car

• Renovate your home

• Get married

• Start a business

• Have a child

✅ Better approach:
Review your coverage annually or after major life events.

✅ 3. Undervaluing Your Home or Personal Property

Construction costs have gone up — often fast.
Being underinsured can mean you pay thousands out-of-pocket after a loss.

✅ Better approach:
Make sure your dwelling coverage reflects current rebuild costs, not what you paid for your home.

✅ 4. Skipping Umbrella Coverage

One serious accident can exceed your auto or home liability limits.

Umbrella coverage adds an extra $1M+ in protection, usually for less than $20–$40/month.

✅ Better approach:
If you own a home, have assets, or have teen drivers, consider an umbrella policy.

✅ 5. Not Bundling Policies

Bundling home + auto + life often saves hundreds each year — plus it keeps things simple.

✅ Better approach:
Ask your agent about multi-policy discounts.

✅ 6. Not Knowing Your Deductibles

A deductible is what you pay before insurance kicks in.
A surprise deductible = a stressful claim.

✅ Better approach:
Choose deductibles that match your budget — higher deductible = lower premium but more out-of-pocket.

✅ 7. Failing to Work With an Independent Agent

Online insurance feels easy, but it often leaves people:

• Underinsured

• Confused

• Without help during claims

✅ Better approach:
A trusted agent:

• Shops personalized coverage

• Explains your options

• Helps during a claim

It’s like having a coach instead of playing the game alone.

✅ How We Help

At Sharpe Insurance Agency, we:
✔ Review your coverage for gaps
✔ Compare pricing across carriers
✔ Help you understand your policy
✔ Assist with claims when you need it most

Because insurance isn’t just a product — it’s peace of mind.

✅ Final Thoughts

Insurance can feel complicated, but it doesn’t have to be.
Avoiding these common mistakes can help ensure your money is well-spent — and you’re protected from the unexpected.

Want a free policy review?
We’ll help identify gaps and make sure you’re getting the best value.

📞 Call/Text: 720-615-1904
📧 Email: brent@bsharpeinsurance.com

Peace of mind starts with the right coverage. We’re here to help.

Blog Post Title Two

It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.

Don’t worry about sounding professional. Sound like you. There are over 1.5 billion websites out there, but your story is what’s going to separate this one from the rest. If you read the words back and don’t hear your own voice in your head, that’s a good sign you still have more work to do.

Be clear, be confident and don’t overthink it. The beauty of your story is that it’s going to continue to evolve and your site can evolve with it. Your goal should be to make it feel right for right now. Later will take care of itself. It always does.

Blog Post Title Three

It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.

Don’t worry about sounding professional. Sound like you. There are over 1.5 billion websites out there, but your story is what’s going to separate this one from the rest. If you read the words back and don’t hear your own voice in your head, that’s a good sign you still have more work to do.

Be clear, be confident and don’t overthink it. The beauty of your story is that it’s going to continue to evolve and your site can evolve with it. Your goal should be to make it feel right for right now. Later will take care of itself. It always does.

Blog Post Title Four

It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.

Don’t worry about sounding professional. Sound like you. There are over 1.5 billion websites out there, but your story is what’s going to separate this one from the rest. If you read the words back and don’t hear your own voice in your head, that’s a good sign you still have more work to do.

Be clear, be confident and don’t overthink it. The beauty of your story is that it’s going to continue to evolve and your site can evolve with it. Your goal should be to make it feel right for right now. Later will take care of itself. It always does.