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

As we welcome 2026, it’s the perfect time for Florida homeowners to take a fresh look at their home insurance. With changing weather patterns, property values and evolving risks, reviewing your policy at the start of the year can help keep your coverage at pace with your needs.

At United Home & Auto Insurance, LLC, our team is here to guide you through a comprehensive home insurance review so you can step confidently into the new year.

Why Review Your Home Insurance Now?

Florida’s unique climate and real estate market mean that insurance needs can shift quickly. Annual policy reviews allow you to:

• Adjust for home improvements or renovations
• Update coverage limits to reflect current rebuilding costs
• Keep you covered against new or increased risks, such as hurricanes or flooding
• Take advantage of new discounts or policy features

A proactive review can help prevent gaps in coverage and avoid surprises if you ever need to file a claim.

Key Coverage Considerations for 2026

When updating your home insurance, focus on a few essential coverage areas.

Verify that your policy uses replacement cost rather than actual cash value, so rebuilding costs are based on current prices instead of depreciation. Review personal property limits to account for valuables such as electronics, jewelry or art, and consider whether additional flood or windstorm coverage is necessary, especially for Florida homeowners. Finally, reassess your liability limits to better align with changes in your lifestyle and assets.

How Our Team Can Help

At United Home & Auto Insurance, LLC, we specialize in helping Florida homeowners navigate their insurance options. Our team will:

• Assess your current policy and identify any gaps
• Recommend updates based on your home, location, and lifestyle
• Explain policy features in clear, simple terms

Don’t let another year go by without making sure your home is adequately insured. Contact our team today to schedule your 2026 home insurance 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.