As the year wraps up, it’s the perfect time to make sure your insurance is ready for what’s ahead. Our year-end insurance checklist will help you protect your home, car, and family—and start 2026 with peace of mind.
🏠 Home Insurance Checklist
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✅ Re-evaluate your home’s rebuild cost
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✅ Review your personal property inventory
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✅ Ask about flood or sewer backup coverage
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✅ Check if recent renovations are covered
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✅ Confirm your deductible and coverage limits
Bonus tip: Did you install a new security system? You may qualify for a discount.
🚗 Auto Insurance Checklist
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✅ Update your mileage if you’ve changed driving habits
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✅ Review comprehensive & collision deductibles
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✅ Ask about safe driving discounts
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✅ Add or remove vehicles as needed
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✅ Verify teen drivers and college students are correctly listed
Many drivers qualify for new discounts or changes by year-end—don’t miss out.
👨👩👧 Life & Umbrella Insurance Checklist
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✅ Check your life insurance beneficiaries
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✅ Consider increasing your coverage if your family grew
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✅ Add umbrella insurance if your net worth has increased
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✅ Update any policies tied to job changes
🧾 Tax & Documentation Tips
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✅ Download proof of insurance for tax or lender purposes
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✅ Organize receipts for major purchases (for claims)
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✅ File updated policies somewhere secure and easy to access
Wrap Up the Year with Peace of Mind
Not sure where to start? We’ll walk through this checklist with you and make sure you’re in the best insurance situation heading into 2026.
