Happy New Year! As we step into 2026, many of us are focused on fitness goals, financial resolutions, or organizational projects. At Parkway Insurance Group, we believe the most important resolution you can make for your family’s stability is a Protection Audit.
Insurance is often treated as a “set it and forget it” service, but your life and the world around you change faster than most policies can keep up with. A January review isn’t just about checking a box; it’s about ensuring that the safety net you’ve built is still strong enough to catch you. Here is why a deep dive into your coverage is essential this month:
- The Inflation Gap: The cost of rebuilding has shifted dramatically. Over the last 12 months, the price of construction materials and specialized labor has continued to rise. If your home insurance limits haven’t been adjusted recently, you might find yourself “underinsured”—meaning you are essentially insured for 2023 prices in a 2026 world. In the event of a total loss, that gap could mean tens of thousands of dollars out of your own pocket.
- Life Milestones & Liability: Did your household change in 2025? Perhaps you got married, welcomed a new child, or finally entered retirement. Each of these milestones significantly alters your risk profile. For example, a new baby may necessitate higher liability limits, while a retiree might be eligible for lower auto premiums due to decreased annual mileage. We help you align your coverage with your current stage of life.
- New Assets & Holiday Gifts: The month of December often brings new valuables into the home. Whether it was a significant piece of jewelry, high-end electronics, or even specialized hobby equipment like e-bikes or professional-grade tools, your “Personal Property” inventory likely grew. Standard policies have internal limits on these items; we can help you “schedule” them so they are protected for their full appraised value.
- Lifestyle & Professional Shifts: Are you working from home permanently now, or have you started a “side hustle” like home-based selling? Many homeowners policies have strict exclusions for business-related equipment and liability. Likewise, if you’ve begun using your vehicle for ride-share or delivery services, a standard auto policy may leave you completely exposed during those working hours.
We believe that caring makes the difference. We don’t just process renewals; we conduct thorough audits to ensure you aren’t overpaying for unnecessary extras while simultaneously protecting what matters most—your home, your family, and your financial future. Contact us for more information, send us an email at info@parkwayinsurancegroup.com, or call us at +1 281 558 1991.
