Insurance resolutions 2026 should be at the top of your financial planning list. Life events like marriage, home purchases, and business startups reshape your coverage needs. Regular policy reviews help you find major savings opportunities. A family can save up to 16% yearly by bundling their insurances.
Smart insurance choices lead to better protection and lower premiums. You might save hundreds each year by adjusting your policies. Proper coverage is vital to your financial security.
The year 2026 brings new challenges and opportunities. Our agents can help you assess your policies today to ensure protection against everyday risks and emerging threats.
Review and Update Your Current Policies
Now is the perfect time to review your insurance coverage as we enter 2026. Your life evolves, and your policies should too. Insurance experts say that 65% of policyholders adjust their policies each year. Not without a reason.
These major life events tell you it’s time to review your policy:
Marriage or divorce
Having a child or adoption
Purchasing a home or vehicle
Changing jobs or starting a business
Moving to a new location
Small changes need attention too. Your coverage needs can change a lot after home renovations, new jewelry purchases, or salary increases. You should look closely at coverage limits and deductibles during your review. Higher deductibles might help lower your monthly premiums. Double-check your beneficiary information – outdated designations rank among the most common policy mistakes.
Customers typically save 12-15% when they optimize coverage in yearly reviews. You can also get discounts by bundling multiple policies together.
Our agents can give you a complete policy assessment today. We’ll help spot gaps in your protection and find ways to save on premiums. Your insurance plans for 2026 will give you peace of mind and financial benefits.
Smart Ways to Save on Insurance in 2026
Want to cut costs without sacrificing protection? Smart insurance choices in 2026 can help you save big. You can save up to 20% with some providers by bundling your home and auto policies. This approach gives you the added benefit of managing just one premium and one set of documents.
Higher deductibles could be your next money-saving move. Your premiums typically go down when you choose higher deductibles. To name just one example, see how bumping your auto deductible from $250 to $1,000 could cut your premium by 10-20%. This change saves $100-$250 each year.
Working with knowledgeable insurance professionals is a great way to get maximum savings. Our agents can help assess your current policies and find your ideal insurance plan for 2026.
Add Extra Protection Where It Matters
Your insurance resolutions for 2026 should go beyond simple coverage to protect you from risks you might overlook. Standard homeowners insurance does not cover flood or earthquake damage. Floods are the most common and costly natural disasters in the U.S. A surprising 25% of claims come from moderate or low-risk areas.
You need umbrella insurance to protect yourself when regular policies hit their limits. It protects you against expensive liability claims from serious accidents, defamation lawsuits, and property damage that exceed standard policy limits.
The pet insurance market generated $3.9 billion in premiums in 2023, making it worth thinking about. Dog owners pay an average of $62 monthly while cat owners pay $32. This coverage shields you from veterinary bills that can reach $5,000-$10,000 during emergencies.
Travel insurance gives you peace of mind about your vacation investments. The cost typically ranges between 5-10% of your total trip expenses.
Cyber insurance has also become crucial protection against digital threats. It covers costs from data breaches, ransomware attacks, and system damage.
Our agents can help you find additional coverage that lines up with your specific risks and improves your insurance protection for 2026. Call Nickerson Insurance Services, Inc. today.
