Starting a new job is more than just a professional upgrade—it can be a full lifestyle shift. In Colorado, that might mean relocating to a new city, adjusting to mountain weather, or setting up a home office in a ski town. Each of those moves impacts your personal insurance in real and potentially costly ways.

Here’s what to review when your career takes a turn:

1. Auto Insurance: Mileage Matters

Your daily commute plays a big role in what you pay. If your new job has you driving more—say, from Monument to downtown Denver—expect your premiums to rise. Conversely, if you’re commuting less or going fully remote, you may qualify for a low-mileage discount.

Pro tip: don’t assume your insurer will adjust your premium automatically. You have to ask.

2. ZIP Code = New Rates

Moving for work? Your new ZIP code affects your risk profile. Insurers look at accident rates, crime stats, weather hazards, and even repair costs in your area. Rates in Boulder will look different from rates in Pueblo or Grand Junction. Be sure your auto, renters, and homeowners policies reflect your current location.

3. Home Office Setup? You May Not Be Covered

Working from home full-time? Most homeowners or renters policies cap coverage for business property at $2,500 or less. That might not come close to replacing your work laptop, printer, dual monitors, or other tools.

If you have sensitive client data or host meetings at home, you may also need professional liability or a business owners policy (BOP). If you’re a full-time remote employee, ask your employer what coverage they offer for at-home equipment.

4. Health Insurance: Mind the Gap

Switching jobs can create temporary lapses in coverage. If there’s a gap before your new employer plan kicks in, consider COBRA, short-term health insurance, or coverage through Colorado’s exchange (Connect for Health Colorado).

Also, double-check maternity, mental health, and prescription coverage—especially if you’re switching from a high-tier plan to a bare-bones policy.

5. Employer Life and Disability Insurance Isn’t Enough

Group life insurance and disability policies offered by your employer are helpful, but they’re not portable and usually don’t provide enough coverage. Use the job transition as a checkpoint to secure private life and disability policies that follow you regardless of employer.

6. Rethink Your Umbrella Policy

New job = new income and potentially new assets. Make sure your umbrella policy is keeping pace. If your liability exposure is growing (more travel, more guests, more property), consider increasing coverage.

7. Retirement Contributions and Estate Updates

New job, new 401(k)? Update beneficiaries. Rebalance contributions. This is a good time to review your will, your financial plan, and any life insurance policies tied to your previous employer.

8. Bundle Check: Don’t Miss New Discounts

A change in job or address could qualify you for new bundling opportunities with your auto, renters, home, or umbrella policies. Have your agent re-shop everything. This is a good time to streamline and save.

Your job may have changed—but your need for protection hasn’t. Make sure your insurance evolves with your lifestyle, so your next chapter starts on solid ground.

a coverage limits. A job change is a major financial pivot point—rebuild your protections accordingly.

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