End-of-Year Insurance Checklist: Are You Fully Covered for 2026?
As the year comes to a close, it’s the perfect time to review your insurance coverage and make sure you’re fully protected heading into 2026. Life changes, new purchases, and evolving risks mean your coverage needs may have shifted. Use this checklist to ensure you’re prepared for the year ahead. As always, please contact Bradford Turner Insurance Group in Cumming, Ga, for all of your insurance-related questions.
Homeowners or Renters Insurance
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Check coverage limits to reflect the current value of your home and possessions
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Update personal property lists to include high-value items such as jewelry, electronics, and collectibles
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Consider additional endorsements like water backup coverage, identity theft protection, or equipment breakdown coverage
Auto Insurance
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Update your policy for new vehicles, traded-in cars, or added teen drivers
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Ask your agent about bundling, accident-free, or safe-driving discounts
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Review your claims history (CLUE report) to understand potential rate changes
Umbrella Policy
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Ensure your liability coverage is adequate if your assets have grown or you’ve purchased more property
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Verify that your umbrella policy coordinates with your home and auto policies for full protection
Life Insurance
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Reassess life insurance coverage after major life changes such as marriage, new children, or a mortgage.
Protect Your Gifts and Valuables
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Make sure new gifts, electronics, and collectibles are covered under your home insurance
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Store valuable items in secure locations like a locked closet or safe to minimize theft risk
Update Beneficiaries and Policy Contacts
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Verify all life insurance, retirement, and investment accounts reflect the correct beneficiaries
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Ensure your insurance agent has your current contact information for prompt claims handling
Meet With Your Insurance Agent
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Schedule a year-end review to identify gaps, adjust coverage, and ensure you are getting the best value
