Why January Is the Best Time to Review Insurance Policies

Life events, changing property values and shifting exposures can all affect your insurance. All-Integrity Insurance Agency LLC can assist with your annual review and help make sure your policies continue to meet your needs.

Why Start the Year with an Insurance Review?

The beginning of the year is a good time to review and update insurance policies. An annual review can help you adjust coverage after major life changes, such as purchasing a home, opening a business or adding a household member. It also allows time to account for Texas-related risks, such as severe storms, hail or flooding. Regularly reviewing policies can reveal gaps or duplicated coverage that may have developed, as well as highlight new discounts or options introduced since your last update.

What Should Texans Review?

When evaluating your insurance policies, consider these key areas:

• Homeowners insurance—Confirm your dwelling and personal property limits reflect current values. Consider endorsements for risks common in Texas, such as windstorms or floods.
• Auto insurance—Review your liability limits, comprehensive and collision coverage, and any changes in vehicle use or drivers in your household.
• Business insurance—If you own a business, check that your property, liability and commercial auto policies align with your current operations and assets.
• Life insurance—Update beneficiaries and make sure your coverage aligns with your family’s needs.

Contact Us for Support

All-Integrity Insurance Agency LLC is here to help review your existing insurance policies. Our agents are well-equipped to optimize your coverage and help reduce unnecessary costs. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.