New Year, New Coverage: Updating Your Home Insurance for 2026

As we welcome 2026, it may be a good time for homeowners in Texas to take a fresh look at their home insurance policies. At Katy Insurance Agency, we encourage our clients to start the new year with a home insurance review to keep their coverage relevant to their evolving needs.

Why Should I Review My Coverage This Year?

A new year can bring new opportunities and risks to your household. As such, your current policy may no longer fully reflect your needs. Reviewing your homeowners insurance now can help you:

• Confirm if your coverage limits are still enough to cover repair and rebuilding costs
• Make sure new structures or renovations are included
• Update your policy for any high-value items, such as jewelry or electronics
• Check for discounts or policy updates that may save you money

What Are Some Key Considerations for Homeowners?

You can consider the following questions when reviewing your policy for the new year:

• Does your policy reflect current construction costs in your area?
• Have you added or upgraded any furniture, appliances or electronics?
• Have you purchased high-value items or made additions to your home?
• Is your liability coverage sufficient if someone is injured on your property or you cause damage to someone else’s property?
• Do you need a separate policy for risks that may not be covered by your existing homeowners policy, such as floods and windstorms?

How Our Team Can Help

At Katy Insurance Agency, our team will walk you through a new-year insurance checklist, answer your questions and recommend updates tailored to your situation. We’re committed to helping homeowners like you find the right coverage at a competitive price.

Contact us today to schedule a policy review.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.