Blog Post - Centro de Recursos

Smart Protection: Are You Really Covered?

When was the last time you reviewed your insurance?
Patrick M. Marvez
April 1, 2025

When Was the Last Time You Reviewed Your Insurance?

Life is full of surprises — and many times we think we’re protected… until we actually need to use our insurance.
Did you know that 40% of people don’t have coverage that truly meets their current needs? We want to help ensure you’re not one of them.

Why Is It Important to Review Your Insurance Regularly?

Over the years, your life and needs change. The home you live in, the car you drive, and even the risks you face aren’t the same over time. That’s why it’s crucial to review and adjust your insurance regularly. Having the right coverage not only gives you peace of mind — it also protects you from situations that could put your well-being, and that of your loved ones, at risk.

Here are some examples of policies worth reviewing:

  • Life Insurance: If you’ve had family changes, like the birth of a child or a change in dependents, make sure your policy reflects your current needs.
  • Auto Insurance: If you’ve changed your commute or driving habits, your current coverage may no longer be sufficient.
  • Home Insurance: If you’ve renovated your home, increased its value, or purchased valuable property, you may need to adjust your policy.

Common Mistakes to Avoid:

  • Thinking basic coverage is enough: Many people believe they’re fine with minimal coverage, but it’s essential to have protection that matches your specific needs.
  • Not updating your life insurance to reflect dependents: If your family has grown or your situation has changed, your life policy should reflect those changes.

Evaluate Your Level of Protection:

Even if you already have insurance, your current policies may not be enough. To make sure you’re fully covered, use this free checklist to review your protection:

  • ✅ Does my insurance cover the most relevant risks for my current situation?
  • ✅ Are my coverages updated to match my lifestyle and finances?
  • ✅ Do I have easy access to assistance when I need it most?

If you answered “no” or “I’m not sure” to any of these questions, now is the perfect time to review your protection.

Download Your Free Checklist:

To help you assess whether you have the right coverage, we’ve created this free checklist you can use as a guide. Plus, if you have questions or need more information, you can book a consultation with one of our advisors at Marvez Insurance.

[Download Checklist]

Why Trust Marvez?

Marvez Insurance Solutions is a trusted name, with more than 30 years of experience delivering comprehensive, tailored insurance solutions. As an independent agency, we offer protection designed around your needs, always with close, efficient service. Our mission is to be there for you when times are toughest, backed by the experience and assistance you can rely on.

Ready to Review Your Insurance?

Schedule your free consultation with us today and secure your peace of mind.

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Our methodology

1

Personalized Analysis

We assess your specific needs to design the ideal insurance solution for your requirements and budget.

2

Tailored Proposal

We present clear, customized options to protect your assets.

3

Management & Contracting

We take care of all necessary processes and documentation, ensuring a smooth and efficient experience.

4

Ongoing Support & Assistance

We’re with you before, during, and after the process — providing fast and effective responses whenever you need them.

Get to know us

With three generations of experience serving Puerto Rico, Marvez Insurance is your trusted partner in protection — recognized for our reliability, expertise, and strategic approach.

We provide tailored insurance solutions designed to fit your unique needs and budget, always focused on building long-lasting relationships grounded in trust and exceptional service.

Patrick E. Marvez

President

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When it comes to insurance, trust Marvez… the reliable choice.