Steers Insurance Blog

How to stay ahead of life’s big changes.

Written by Steers Blogging Team | Feb 25, 2026 12:18:07 PM

Lessons from a classic love story.

When Monica Geller and Chandler Bing, from the TV series Friends, welcomed twins and headed for the suburbs, life shifted fast. Goodbye, Porsche. Hello, snack-crumbed minivan. Big milestones like these come with a few insurance updates to keep things running smoother than Monica’s colour-coded pantry.

 

From Sports Car to Soccer Practice

Nothing kills that ‘new car smell’ like an unexpected premium bill. If you’re buying a new ride, check with your broker first about auto insurance costs.

For full peace of mind, consider:

  • $2,000,000 Third-Party Liability
  • Comprehensive + Collision
  • SEF 20 – Loss of Use
  • SEF 27 – Liability for Non-Owned Automobiles
  • SEF 39 – Accident Waiver

So, whether it’s daycare drop-offs or long road trips, your loved ones stay protected.

Suburban Living, Covered

Upgrading to a larger home? Exciting. Also, a good time to review your home policy. A Steers local broker can give you the best coverage options based on your new space, lifestyle, and claims history.

Things that may affect your premium:

  • Yard size
  • Pools or large decks
  • Detached structures like a garage, gazebo, and greenhouse

Let's not forget the "Joey Room." If he decides to move in (again), be sure to notify your broker so any necessary updates can be made. They'll guide you through the process to ensure everyone, and everything, is properly covered.

 

Your Friends at Steers Can Help You Save

Bundling multiple policies and/or changes in your life can open up savings. Ask your broker about discounts for:

  • Bundling Home + Auto
  • Multiple vehicles coverage
  • Mortgage-free homes
  • Age of the home
  • Alarm systems
  • Non-smoking status
  • Claims-free history
  • Winter tires
  • Clean driving record
  • Your occupation (some insurers offer preferred rates)

Coverage for Big Toys

Finally, if Joey shows up with his boat in tow, it’s definitely time for another conversation. If you own, or are planning to buy, a boat or other big-ticket toy, check with your broker first. These items need a specialized policy, and as much as we love Joey, “How you doin’?” isn’t a risk management strategy.

 

We're Your Local Broker, and Your Friend

With the right protection in place, you can focus on enjoying life’s milestones without worrying about the what-ifs. Even if, like Monica and Chandler, you have your own "Joey" to consider.

Give us a call to make sure you’re covered for all of life’s updates at 1-888-295-7474 or email us at hello@steersinsurance.com.