Top 5 Insurance New Year Resolutions to Secure Your Financial Future in 2026

Starting a new year often brings a fresh mindset and an opportunity to set goals that enhance your lifestyle. One area many overlook when making resolutions is insurance. Yet, insurance plays a crucial role in protecting your financial well-being against unexpected events. Taking time to review and update your insurance plans can prevent costly surprises and give you peace of mind.

To kick off 2026, we're providing practical insurance resolutions that can help you secure your financial future in the coming year. Whether you have auto, home, commercial, or any other type of insurance, these steps will guide you toward better coverage and smarter decisions for the year ahead.

1. Review Your Current Insurance Policies Thoroughly

Many people buy insurance and then forget about it until they need to file a claim. Insurance needs change over time due to life events such as marriage, buying a home, having children, or starting a business. Reviewing your policies annually ensures that your coverage remains current and adapted to your current situation.

What to check:

• Policy limits: Are they still adequate for your assets and lifestyle?

• Coverage details: Are there any gaps or outdated clauses?

• Premium costs: Can you find better rates or discounts?

• Liability Limits: Are you still protected against potential claims and lawsuits?

  
  

Example:

If you bought a home five years ago, your homeowner’s insurance might not cover recent renovations or new valuables. Updating your policy can protect these investments.

2. Check and See if You're Up for Renewal this Year

Understanding your insurance renewal timelines helps you stay in control of your coverage and costs. Reviewing policies before renewal ensures you have time to adjust coverage, shop around, and avoid surprises.

Why this matters:

• Avoid automatic renewals at higher rates without reviewing and considering better options.

• Determines whether you're eligible for discounts, reinstates your policy if it's inactive, and ensures you have the right level of protection.

• A quick policy review before renewal with Al Boenker Insurance can help you save even more money and avoid a lapse in coverage.

  
  

Example:  

If you're up for renewal in 2026, identifying your upcoming renewal period early on gives you the flexibility to explore better coverage and potential savings before your policy renews.

3. Shop Around for Better Insurance Deals

Insurance markets are competitive, and prices can vary widely between providers. Committing to one insurer without periodic comparison can mean missing out on savings or better coverage options.

Tips for shopping around:

• Consider working with an independent insurance specialist at Al Boenker Insurance who can offer unbiased advice.

• Call Al Boenker Insurance at 1-800-THANKS-AL or visit www.thanksal.com to get a quote and work with our insurance experts to shop multiple companies to find you the best rate and coverage for your insurance.

• Ask about bundling discounts if you combine auto and home insurance. The more policies you combine with Al Boenker Insurance, the more you could save.

  
  

Example:

A family saved up to 16% annually by switching their car and home insurance to a single provider offering a multi-policy discount.

4. Increase Your Deductibles to Lower Premiums

Adjusting your deductible can significantly change your insurance expenses. While increasing your deductible can lower your premiums, it also means you’ll pay more out-of-pocket if you ever need to file a claim.

Things to consider:

• Choose a deductible you can afford to pay comfortably in case of a claim.

• Higher deductibles work well if you have a good safety record and few claims.

• Balance savings on premiums with potential out-of-pocket expenses.

  
  

Example:

Raising a deductible from $500 to $1,000 on an auto policy might reduce premiums by 15-20%, saving hundreds yearly.

5. Add or Update Riders and Endorsements

Riders and endorsements are additional provisions you can add to your insurance policies to customize coverage. They address specific needs not covered by standard policies.

Common riders to consider:

• For commercial insurance: Equipment Breakdown Rider, Business Income Rider.

• For home insurance: Flood or earthquake coverage, identity theft protection.

• For auto insurance: Rental car reimbursement, roadside assistance.

  
  

Example:

If you live in an area prone to flooding, adding flood insurance as a rider to your homeowner’s policy can prevent devastating financial loss.

Taking these five insurance resolutions seriously can help protect you and your family from financial hardship while acquiring the best coverage that fits your needs for the year ahead. Start by gathering and reviewing your current policies to see where adjustments could improve coverage or reduce your premiums. At Al Boenker Insurance, our insurance specialists are here to help guide you every step of the way to achieve your insurance goals for 2026.

Make this the year where you take control of your insurance and secure your financial future with smart, informed choices. Your peace of mind is worth the effort.