The start of a new year naturally brings reflection.
Fresh calendars.
A reset in routines.
And a quiet desire to feel a little more prepared than the year before.
When it comes to insurance, preparation doesn’t have to mean making immediate changes. In fact, some of the most helpful conversations start with simply asking the right questions — without any pressure to act.
Here are five insurance questions worth checking in on as the new year begins, even if all you do is take note.
1. Do we clearly understand what coverage we already have?
Many families set up insurance years ago and rarely revisit it.
Homes change. Cars change. Families grow. Coverage doesn’t always keep pace unless it’s intentionally reviewed. Understanding what’s currently in place is often the most important first step.
2. Is our home insured for today’s rebuild costs?
Rebuild costs in California have shifted significantly due to changes in materials, labor, and regulations.
A policy written even a few years ago may not reflect today’s reality. This is one of the most common gaps we see — and one of the easiest to review before it becomes an issue.
3. If something unexpected happened, would our family feel financially steady?
This question isn’t meant to create fear. It’s about clarity.
Life insurance isn’t just a policy — it’s a plan for continuity. It helps ensure that if life changed unexpectedly, your family could maintain their home, routines, and financial footing during a difficult season.
4. Are our auto and liability limits still appropriate for our life today?
Auto insurance and liability coverage often get set and forgotten.
As assets grow, drivers are added, or lifestyles change, coverage should adjust as well. Understanding your liability exposure — and whether an umbrella policy makes sense — can be an important part of protecting what you’ve built.
5. Do we have someone we trust to guide us when things change?
New home. New car. Renovation. Growing family.
Insurance works best when there’s a trusted broker involved — someone who understands your situation and helps your coverage evolve as life does, not just at renewal time.
A Check-In, Not a Commitment
The beginning of the year doesn’t require big decisions or immediate changes. But it is a natural time to make sure nothing important has been overlooked.
Our role as independent insurance brokers is simple: to help families understand their options, answer questions clearly, and offer guidance — without pressure.
If you’d like a quick, no-obligation review to start the year with clarity, we’re here whenever you’re ready.
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Cord & Nicole
Cord Insurance Broker