With the new year ringing in, now is traditionally a time to reflect and organize for the months ahead. Many people make resolutions in January, whether it’s something like getting in more steps, learning a language or just being more present in the moment. While you’re setting your goals, don’t forget to include your insurance policies with them! Keeping your coverage up to date and in line with your needs, new and old, can help make your year a little less stressful. Start your year out right and check out these helpful tips.

1. Renew Your Policy

Mark your calendar for the month of your policy renewal in the new year! You may also be able to enroll in automatic renewal; talk to your insurance company for more details.

2. Update Your Insurance

Has anything changed recently, or have you gained new assets? Maybe you have a new driver in your household. Maybe you received fine jewelry or an ATV for Christmas. Maybe you recently moved to a new home or got married. You may need to update your insurance policies after changes such as these. For example, you will want to make sure your teenage driver or spouse is covered under your auto insurance. You also may want to speak to your agent about specialty vehicle policies and riders to your homeowners insurance for items like expensive jewelry, artwork and musical instruments. A new home may also need additions or edits to your current policy.

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3. Learn About Uninsured Motorist Insurance

While you’re looking into updating your policies, make sure your current auto coverages are also enough. Uninsured and underinsured motorist coverage is something to consider when talking to your agent. If you get into an accident with someone who has no coverage or not enough, this additional insurance may help with medical expenses and repair costs.

4. Look at Discounts

You may qualify for discounts from your insurance company. Talk to your agent and ask about available discounts, such as for being a safe driver or a good student. Other possible discounts include having a security system for your home, opting for paperless statements, automatic payments, driving an electric/ hybrid car and more.

5. Bundle Up

You could be able to save more by bundling your policies together, like your homeowners and auto policies. Talk to your agent about whether bundling is right for you and your coverage needs.

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6. Consider Renter’s Insurance

Are you moving into your first apartment, or are you currently renting? Tenants need their belongings protected just like homeowners. Secure your belongings with renter’s insurance.

7. Be Prepared for Emergencies

The new year is a great time to check on your emergency supplies and update evacuation plans. Is your fire extinguisher still in working order? Do you need to replace anything in your car’s emergency packs that is missing or damaged? Replenish what you need, and don’t forget to practice your fire escape plan to keep it fresh in your family’s mind. Practicing can also help you identify any alterations needed for a safer plan.

HomeFirst® Agency hopes you have a happy and safe New Year, and with these tips for reviewing your insurance coverage, you’ll be well on your way.

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