Now you need to review them to be sure you have the latest policy and the premiums are paid. It would not surprise me if you found that mom has saved expired policies.Homeowners: If mom owns her home make sure she has a homeowner’s policy. No one requires you to have insurance coverage if you own your home outright. If she is renting be sure she has a renter’s policy. When you and mom did her net worth statement is there anything of value that may need special coverage such as a stamp collection, jewelry or antiques? Is the house insured for the current value? You want to be sure there is enough coverage. Auto Insurance: There is a discount for drivers over 65; how much varies with the insurance company. There is another discount for drivers that don’t put much mileage on their cars. One of the hardest things you will ever discuss with mom is whether she should be still driving. Health Insurance: Medicare is for individuals over age 65 but it does not cover everything "
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