New Year, New Coverage: A Home & Auto Insurance Checklist for 2026

The start of a new year is the perfect time to reset habits, set goals, and make sure the things that matter most are properly protected. As we head into 2026, January is a great opportunity to review your home and auto insurance coverage and ensure it still fits your life.

Many people only look at their insurance when something goes wrong. A simple annual review can help prevent gaps in coverage, unexpected costs, and stress down the road. Use this checklist to start the year strong and confident.

Home Insurance: Start with What’s Changed

Life changes quickly, and your home insurance should keep up. Think about any updates you made over the past year. Remodels, new flooring, kitchen upgrades, or added square footage can all increase your home’s replacement cost. If your policy hasn’t been updated recently, you may be underinsured.

Review your personal property limits. New furniture, electronics, tools, or recreational items add up fast. High-value items like jewelry, art, or collectibles may need additional coverage or scheduling to ensure they’re fully protected.

January is also a good time to confirm coverage for winter-related risks, such as water damage from frozen pipes or roof leaks. Understanding what your policy covers before a loss happens can make all the difference.

Auto Insurance: A Fresh Look for the Road Ahead

Your driving habits may have changed over the past year. If you’re commuting less, working remotely, or driving a new vehicle, your auto policy should reflect that. Make sure vehicles, drivers, and usage are listed correctly to avoid issues in the event of a claim.

Check your deductibles and liability limits. Minimum coverage may save a little in premium, but it often falls short when serious accidents occur. Increasing liability limits is often more affordable than people expect and can provide meaningful financial protection.

Don’t forget to review coverage options like comprehensive, collision, roadside assistance, and rental reimbursement—especially helpful during winter weather or unexpected breakdowns.

Bundle, Save, and Simplify

January is a great time to look for opportunities to bundle home and auto policies. Bundling can often lead to discounts, simplified billing, and fewer headaches throughout the year.

You should also review available discounts, such as safe driver programs, home security systems, or loyalty credits. These options change over time and may not automatically apply unless reviewed.

Get Ahead of the Unexpected

The biggest benefit of a January insurance review is peace of mind. When coverage is aligned with your current life, you’re better prepared for whatever the year brings—whether it’s a winter storm, a new vehicle, or a major life milestone.

At Integrity Insurance & Bonding Inc., we believe a strong year starts with strong coverage. If you’d like help reviewing your home and auto insurance and understanding what is covered or you just want a second look at your policies for 2026, our team is here to guide you every step of the way.

Start the year informed, protected, and ready for what’s next.