Your Year-End Coverage Checklist

Life changes all year long, but most people only think about insurance when a bill or a claim arrives. The weeks before January 1 are a good time to catch up.

For families

• New or replaced vehicles: make sure every car is listed and the right drivers are assigned.

• New drivers at home: a new teen driver, or a college student home for the holidays, needs to be on the policy.

• Home improvements: a new kitchen, finished basement or new roof can raise what it would cost to rebuild. Your coverage should keep up.

• Holiday gifts: jewelry, watches, art and collectibles often have low limits on a standard policy. Valuable items can be scheduled for full coverage.

• Umbrella coverage: if your savings and home value have grown, your liability limits should grow too.

• Flood: most flood policies have a 30-day waiting period. Do not wait for spring storms to buy one.

For business owners

• New hires and payroll changes: workers' compensation is based on payroll. Keeping it accurate avoids a surprise bill at your year-end audit.

• New equipment or vehicles: add them before they are used on a job.

• New contracts for 2027: if a client requires higher limits or additional insured wording, tell us before the contract starts.

• Certificates of insurance: collect current certificates from subcontractors and vendors for the new year.

• Cyber basics: multi-factor sign-in on email, working backups, and staff reminders about holiday phishing scams.

Not sure where to start? Send us your list, or just call 732-655-6200, and we will go through it with you.