What should insureds do if they discover coverage gaps in their policy?

When insureds discover coverage gaps in their policy, the most beneficial course of action is to contact their insurer to discuss potential adjustments. Engaging with the insurer allows them to gain clarity on the specifics of their coverage, understand the implications of any gaps, and explore options for enhancing their policy. This proactive approach ensures that the insured can make informed decisions about their coverage needs, tailor their policy to better protect against risks, and potentially avoid financial losses that could arise from uncovered events.

Options like ignoring the gaps or waiting until the next renewal can lead to greater risk exposure, while adjusting spending habits does not address the core issue of inadequate coverage. Therefore, discussing adjustments with the insurer is the most prudent step for maintaining comprehensive protection.