Having too much insurance coverage can lead to unnecessary expenses and a feeling of being overwhelmed. Here are some signs that you may have too much coverage:

• Overlapping Policies: If you have multiple insurance policies that provide the same coverage, such as health insurance through both your employer and a private plan, you may be overinsured.
• High Deductibles: If you have low-risk items, such as electronics, covered by insurance policies with high deductibles, you may be overinsured for those items.
• Excessive Coverage Limits: If your coverage limits far exceed the value of your assets or the potential liability you may face, you might have too much coverage.
• Unnecessary Riders: Adding extra coverage options or riders to your policies that you don't really need can lead to overinsurance. For example, purchasing rental car insurance when your existing auto policy already covers rental cars.

It's important to regularly review your insurance policies to ensure that you have the right amount of coverage for your current needs. Consulting with a financial advisor or insurance agent can help you make informed decisions about your coverage.