{"id":56907,"date":"2015-01-19T18:10:46","date_gmt":"2015-01-19T18:10:46","guid":{"rendered":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/uncategorized\/2015\/01\/19\/shape-up-your-insurance-plan\/"},"modified":"2026-08-08T12:00:23","modified_gmt":"2026-08-08T12:00:23","slug":"shape-up-your-insurance-plan","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/pay-benefits\/military-benefits\/2015\/01\/19\/shape-up-your-insurance-plan\/","title":{"rendered":"Shape up your insurance plan"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">For most people, launching a comprehensive review of their insurance coverage \u2014 auto, homeowners, life \u2014 ranks right up there with a visit to the dentist&#8217;s office. <br\/><br\/>Generally, people should review their insurance coverage periodically, and especially if there&#8217;s a life event such as the birth of a baby, the purchase of a new house, a change of jobs. Because military folks are transferred from state to state, it&#8217;s particularly important for them to keep on top of their coverage. Rules and requirements vary from state to state, particularly for auto insurance. <br\/><br\/>Military Times put two service members in touch with JJ Montanaro, a certified financial planner for USAA, who reviewed their insurance policies to make sure they&#8217;re adequately covered. <br\/><br\/>He found the soldier and sailor both needed to consider bumping up their property damage coverage on their auto insurance policies. The minimum requirements for property damage coverage are fairly low in most states, Montanaro said, and he thinks it&#8217;s common for people to be underinsured on that front. <br\/><br\/>States have different minimum requirements for such coverage, which protects policyholders in the event the driver damages someone else&#8217;s vehicle or property (such as a fence).<br\/><br\/> &#8220;When I talk to people, I tell them next time they are out driving to take a look at the two or three other cars in front of them and imagine what would happen if they were financially responsible for totaling those vehicles,&#8221; Montanaro said.<br\/><br\/><b>Determine which policy you need<\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21993573\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"How much life insurance is enough  [ID=21993573]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b>Recent PCS move has insurance impact<\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21993753\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"NCO s insurance coverage evaluated after PCS [ID=21993753]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b>Getting ready to transition<\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21993891\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"Navy officer adjusts coverage for civilian life [ID=21993891]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b>Life insurance: Term vs. life, and more<\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21995297\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"Choose life insurance that s right for you [ID=21995297]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b>If you rent, you probably need to buy policy<\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21994027\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"Renters: Make sure your property is insured [ID=21994027]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b>When you move to a wildfire-prone area<\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21994139\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"Natural disasters affect your homeowners policy [ID=21994139]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b>USAA helped track missing vehicles <\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21994319\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"Insurer helped troops with POV problems [ID=21994319]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b>Links to more information<\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"21995067\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"Get more information about insurance [ID=21995067]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b><br\/><\/b><br\/><br\/><b><img decoding=\"async\" alt=\"\" assetid=\"22000905\" assettype=\"oEmbed\" src=\"\/Portals\/_default\/Skins\/PrestoLegacy\/CommonCss\/images\/smartembed.png\" title=\"Military related insurance plans [ID=22000905]\" width=\"50px\"\/><br\/><\/b><br\/><br\/><b><br\/><\/b><br\/><br\/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviewing your insurance needs periodically is especially import for military members because they move often.<\/p>\n","protected":false},"author":7,"featured_media":99008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":83,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[83,15],"tags":[],"coauthors":[3302],"class_list":["post-56907","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-military-benefits","category-pay-benefits"],"acf":{"subheadline":"","legacy_arc_id":"JRBM2RX7RND4TAUZ76NLTFRJLA","arc_canonical_url":"\/pay-benefits\/military-benefits\/2015\/01\/19\/shape-up-your-insurance-plan\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - 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