As the year winds down and winter settles in across Ohio, most of us start thinking about resolutions, tax prep, and plans for the new year. But there’s one area that often gets overlooked — your insurance coverage.
Whether it’s home, auto, life, or other policies, the next two months are the perfect time to review and optimize your coverage for 2026.
Here are five smart steps to help you start the new year confident, protected, and prepared:
1. Schedule an Insurance Review Before the New Year
Before the holidays get too busy, set aside a few minutes to meet with your insurance agent for a full policy review. A professional can identify coverage gaps, discounts you’re missing, or new options that fit better with your current needs.
Tip: Many Ohio residents see rate changes in January, so reviewing before then can help you lock in better rates or switch plans smoothly.
2. Reassess Your Home Coverage for Winter Risks
Winter weather can be unpredictable in Ohio — from ice storms to burst pipes. Check that your homeowner’s policy includes adequate protection for seasonal damage, especially if you’ve renovated, added new valuables, or recently purchased major appliances. Now is also a good time to update your home inventory with photos or videos — it makes future claims easier and faster.
3. Review Your Auto and Vehicle Policies
If your car, truck, or recreational vehicle hasn’t been reviewed in a while, take another look. Have you paid off a loan, added a new driver, or bought a winter vehicle? These changes can affect your rates and coverage. Also consider uninsured motorist and comprehensive coverage — both are crucial during icy months when accidents are more likely.
4. Update Your Life Insurance for Changing Needs
Life changes quickly — maybe your family grew, you bought a new home, or you’re thinking about retirement. An annual life insurance check-in ensures your coverage still matches your goals.
The new year is also a great time to explore term life versus whole life options, or to review beneficiaries to make sure everything is current.
5. Check for Discounts and Bundles
Insurance companies often update discounts around the start of the year. You may qualify for multi-policy bundles, safe-driver rewards, or loyalty savings. Bundling your home and auto policies through one agency can make billing simpler and often lowers your total premiums.
Get a Free Year-End Insurance Audit
Before the ball drops on 2025, take an hour to review your coverage with someone you trust. Bill Palmer Insurance in Lancaster, Ohio offers personalized insurance audits to help you find the right balance of protection and savings for the new year.
Reach out today to schedule a no-cost insurance review — and start 2026 feeling secure, confident, and ready for whatever comes your way.
