When people think about financial planning, they often think about KiwiSaver, investments, retirement goals and personal insurance. Those are important, but they are not the whole picture.
Your plan may also rely on the home you live in, a rental property, a small business, commercial property, vehicles, tools, stock or other assets. If those things are not properly insured, a property or liability event can quickly become a financial planning problem.
That is why it can be useful to look across both sides of your insurance. Your personal cover protects the people and income behind the plan. Your general insurance protects many of the assets the plan depends on.
A simple cross-check can help answer practical questions: is the home sum insured current, is a rental property correctly noted as tenanted, is business equipment insured in the right place, and are liability limits still appropriate?
Nothing drastic is required. It is just a sensible way to make sure the different parts of your protection are working together.