Start the Year Strong: Key Insurance Updates You Shouldn’t Skip in 2026
As 2026 begins, many homeowners and drivers shift into planning mode, setting goals, organizing their schedules, and preparing for what’s ahead. One task that often gets overlooked is reviewing insurance coverage. A lot can change in a year: new purchases, home upgrades, family changes, or shifts in how often and where you drive. At Capps Insurance, we encourage clients to take a few minutes at the start of the year to make sure their policies still match their real needs.
A quick policy review ensures your protection reflects your current situation rather than outdated details from the previous year. With rising repair costs and evolving lifestyles, outdated coverage can lead to avoidable gaps.
Here are key areas that are worth checking as you step into 2026:
- Reevaluate your deductible
Make sure it still aligns with what you’re comfortable paying out of pocket.
- Update your home inventory
Any new appliances, electronics, furniture, or completed renovations should be documented so they’re properly covered.
- Review liability limits
Changes like more frequent gatherings, new pets, or new outdoor features may require additional protection.
- Refresh your auto policy
New drivers, a different commute, or new vehicles should be reflected accurately in your coverage.
- Consider umbrella insurance
An umbrella policy offers additional, affordable protection for high-value or unexpected claims.
Staying current with these adjustments helps ensure a smoother claims process, fewer surprises, and more accurate protection when you need it.
At Capps Insurance we make these reviews simple and efficient, so you can enter the new year with clarity and confidence.
Call to Action
Take a proactive step toward stronger protection this year. Contact Capps Insurance today for a personalized policy review and step into the new year fully protected.
