New Year Insurance Checklist: 7 Things to Review in Your Home and Policies for 2026

Start the year protected. Use this 2026 home and insurance checklist to review coverage, inspect your property, and prepare for the unexpected.

New Year Insurance Checklist: 7 Things to Review in Your Home and Policies for 2026

A new year means a fresh start—and it’s also the perfect time to review your insurance coverage and inspect your home. With weather risks rising and insurance premiums trending up in Texas, homeowners need to be more proactive than ever.

Use this simple checklist to make sure your policies (and property) are up to date and ready for whatever 2026 brings.

1. Review Your Homeowners Insurance Policy

Start by asking: Does your current coverage still reflect your home’s value and contents?

Make sure your dwelling coverage limit is high enough to rebuild in today’s construction market. Many Texas homeowners are underinsured due to inflation and material costs.

Also check:

• Personal property limits (especially for valuables)
• Deductible amount
• Coverage for wind, hail, and water damage
• Replacement cost vs. actual cash value

If you’ve made upgrades or added square footage in the past year, let your agent know.

2. Update Your Home Inventory

Having an up-to-date inventory of your belongings is key to faster, smoother claims.

Use your phone to walk through your home and record items by room. Store videos and receipts in the cloud or a secure app.

Make sure to document:

• Electronics and appliances
• Jewelry, collectibles, and artwork
• Furniture and decor
• Tools and outdoor equipment

3. Inspect Your Roof and Exterior

Texas storms don’t wait for spring. Check your roof for:

• Missing or curling shingles
• Damaged flashing
• Leaks in the attic or ceiling stains

Also inspect fences, gutters, foundation cracks, and any outdoor structures. If repairs are needed, take care of them now before the next storm season hits.

4. Test Smoke Alarms and Safety Systems

Many insurance companies offer discounts for monitored alarms and fire protection systems.

Do this now:

• Replace batteries in smoke and CO detectors
• Test alarm systems and cameras
• Check fire extinguishers

This not only protects your family but can help you qualify for premium savings.

5. Review Your Auto Policy (Especially If You Got a New Vehicle)

Did you buy or sell a car in 2025? Are you driving less due to remote work?

Make sure your policy reflects current mileage and vehicle usage. Ask your agent to review:

• Liability limits (do you have enough?)
• Comprehensive and collision deductibles
• Gap coverage if you’re financing a new vehicle

And don’t forget to check bundling discounts if your home and auto are with different companies.

6. Evaluate Life Insurance Needs

Life changes fast—did you get married, have a baby, or buy a home last year?

Make sure your beneficiaries are up to date and your coverage matches your current financial responsibilities.

Even if you have employer-provided life insurance, a personal policy offers more control and consistency.

7. Schedule a Free Policy Review with an Independent Agent

The best way to ensure you’re not overpaying or underprotected is to review your policies with a licensed agent who works with multiple carriers.

An independent agent can:

• Compare quotes from different insurers
• Identify coverage gaps or overlaps
• Suggest smart updates based on current risk trends

Ready for a Smarter Insurance Year?

Starting the year with a quick insurance and home check-up can save you time, money, and stress down the road.

Need help? Contact McKnight Insurance to speak with a local, independent agent who can guide you through your 2026 insurance review. We’re here to help you stay protected, prepared, and confident in the year ahead.