Home and Auto
Five insurance updates to get ahead of in 2026
As we begin a new year, it’s the perfect time to review your home and auto insurance policies. Life changes, home improvements and routine maintenance can all impact your coverage needs, potentially affecting your premiums. We’ve compiled five important home and auto changes to look for as you start the year.
- Roof status: The age and type of your roof can significantly impact premiums. Verify your roof’s current age, and if you’ve recently replaced or upgraded your roof notify your insurer with updated information. You may qualify for better rates or enhanced coverage.
- Heating and cooling system updates: New HVAC systems can lead to lower insurance costs. Recent upgrades mean:
- Improved home safety and efficiency
- Possible premium discounts
- Better protection against weather-related damage
- Home additions or renovations: Major changes require coverage adjustments. These improvements increase your home’s value and need the right protection. Update your policy if you’ve added:
- New decks or patios
- Home extensions
- Attached garages
- Substantial renovations
- Valuables inventory: Review your personal belongings and confirm adequate coverage for:
- Jewelry and watches
- Art and collectibles
- Electronics and equipment
- Antiques and heirlooms
- Household changes: Family dynamics affect your insurance needs. Consider whether:
- Adult children have moved out and need their own policies
- New household members have been added
- Your family size has changed significantly
Ready for the year ahead?
Think about if your policy reflects any major changes from the past year. If you have questions about what's included or need help reviewing your policies, be sure to reach out to your insurance representative. We’re always happy to help.
