The start of a new year is the perfect time for reflection—and for making changes that protect your health, wealth, and peace of mind. At Day Insurance Agency, we encourage you to treat January as your insurance checkup month. Here are some smart insurance resolutions worth keeping to help you start 2026 fully protected—and possibly even spending less.
Schedule an Annual Insurance Review
A lot can change in a year. Have you:
- Bought a car?
- Gotten married or divorced?
- Added a new driver to your policy?
- Renovated your home?
- Started a new job or side business?
- Welcomed a child or adopted a pet?
These changes can affect your coverage needs and premium rates. A 15-minute review can help ensure you’re not overpaying or underinsured.
Reevaluate Your Life Insurance Coverage
Life insurance is one of the most powerful tools for protecting your family’s financial future—but only if the coverage fits your current needs. Ask yourself:
- Do I have enough coverage to replace my income?
- Have I added dependents or taken on new debt (like a mortgage)?
- Is my term policy expiring soon?
- Should I explore permanent life insurance for tax or estate planning?
Even if you already have a policy, an annual review is key to making sure it’s still doing its job.
Check Your Deductibles and Limits
Raising your deductible can lower your premium, but make sure you can cover it out-of-pocket in an emergency. On the flip side, if you’ve had a recent claim or tighter finances, it might be time to lower your deductible for better peace of mind.
Update Your Home Inventory
If a fire, theft, or storm damaged your home tomorrow, would you be able to list every item you own? Take 30 minutes this January to update your home inventory:
- Walk through your home with your smartphone and record a video
- Photograph valuable items with receipts or appraisals
- Store backups in the cloud or email them to yourself
Ask About Discounts and Bundles
The new year is a great time to shop your policies or check for discounts you may now qualify for, such as:
- Good student or safe driver discounts
- Loyalty discounts
- Multi-policy (bundling home and auto)
- Paid-in-full or automatic payments
- Smart home device discounts
At Day Insurance Agency, we’ll compare policies from top-rated carriers to help you get the best value without sacrificing coverage.
Protect your future and save money. Call Day Insurance Agency at (724) 228-3448 in Washington, PA or (724) 356-7700 in Hickory, PA. Gain peace of mind with insurance resolutions worth keeping.