As we enter the new year, many of us are embracing new beginnings, whether that’s improving our overall well-being, organizing our personal finances, or cherishing more quality moments with family. However, one crucial resolution that often gets overlooked is the important task of reviewing and updating our insurance coverage. Life changes quickly, and your insurance policies should adapt alongside it. At FirstOntario Insurance Brokers, we believe that starting the year with comprehensive and tailored insurance coverage is one of the smartest decisions you can make for your financial security.
This year let’s make it a priority to incorporate insurance evaluations into your New Year’s resolutions. Whether you’re a homeowner looking to protect your property with home insurance, a renter seeking affordable coverage with tenant insurance, a driver needing auto insurance, or a business owner aiming for liability protection with business insurance, there are actionable steps you can take to ensure your insurance coverage aligns with your current needs and future aspirations. Take part in setting your new year insurance resolutions with us!
Why insurance should be part of your new year’s resolutions
Insurance goes beyond mere protection—it’s about peace of mind. As life unfolds, so too do your risks and responsibilities, that’s why making insurance updates regularly helps to ensure your coverage changes with you. Whether you’ve renovated your home, acquired a new vehicle, embarked on a new business venture, or welcomed a new family member, these milestones warrant coverage that adapts to your dynamic lifestyle.
Incorporating insurance into your resolutions means:
- Avoiding coverage gaps that could leave you financially vulnerable.
- Maximizing your protection by customizing policies to align with your lifestyle.
- Saving money by eliminating outdated or unnecessary coverage.
- Preparing for the unexpected with clarity and confidence.
Top insurance resolutions for 2026
Consider these five actionable insurance resolutions for the new year, along with comprehensive offerings available through FirstOntario Insurance Brokers to help you with your annual insurance updates:
1. Review your home insurance policy
Your home is likely your most significant investment. Regardless of whether you own or rent, your property and possessions deserve thorough protection.
Homeowners: If you’ve made renovations, added a pool, your policy may require adjustments. Ensure coverage limits are sufficient and consider endorsements for high-value items.
Renters: If you’ve acquired new electronics, furniture, or jewelry, ensure your tenant insurance reflects their value.
Explore our Homeowners Insurance and Tenant Insurance options to ensure your space and possessions are properly covered.
2. Update your auto insurance
Have you changed your commute, added a new driver to your policy, or purchased a new vehicle? These changes can significantly impact your auto insurance needs.
- Review your deductibles and liability limits.
- Consider bundling your auto and home insurance for potential savings.
- Ask about discounts for safe driving, winter tires, or hybrid/electric vehicles.
Learn more about our Auto Insurance solutions and how they can be tailored to fit your driving habits.
3. Protect your business
If you’re a small business owner or entrepreneur, your business deserves the same level of protection as your home or car.
- Have you expanded your services, hired staff, or relocated?
- Are you covered for cyber liability, equipment breakdown, or business interruption?
Our Commercial and Business Insurance offerings are designed to evolve with your business and safeguard what you’ve built.
4. Safeguard your valuables
From engagement rings to high-end electronics, certain items require more than standard coverage.
- Schedule high-value items separately to ensure comprehensive protection.
- Keep appraisals and receipts current.
- Consider coverage for accidental loss or damage.
5. Plan for the Future with Life and Travel Insurance
Life is full of surprises—but your insurance doesn’t have to be.
Life Insurance: Whether you’re starting a family or planning for retirement, life insurance offers financial security for your loved ones.
Travel Insurance: Planning a trip this upcoming year? Protect yourself from medical emergencies, trip cancellations, and lost baggage.
How to get started
Incorporating insurance into your New Year’s resolutions doesn’t have to be daunting. Here’s how to get started:
- Take Inventory: Catalogue your assets, recent life changes, and future plans.
- Review Your Policies: Examine coverage limits, deductibles, and exclusions.
- Talk to a Broker: Our team at FirstOntario Insurance Brokers is here to assist you in navigating your options and customizing coverage to meet your coverage needs.
Remember, your insurance isn’t “set it and forget it.” Make it a habit to review your policies every January.
At FirstOntario Insurance Brokers, we understand that life doesn’t stand still—and neither should your insurance. As you set goals for the new year, let us help you build a foundation of protection that supports your journey. Whether it’s your home, car, business, or future, we’re here to ensure your coverage is as forward-thinking as you are. Explore FirstOntario Insurance Brokers’ coverage options and get a free quote today.
