New Year, New Coverage: Insurance Resolutions You Can Keep

The ball has dropped, the confetti has settled, you've written your resolutions to make 2026 your best year yet, and flipped the calendar to a brand-new year. Now’s the time to take advantage of that “new-year-new-me" planning energy and make one of the most important resolutions you can: insurance resolutions. 

While perhaps less flashy than making your bucket list travel destinations or signing up for a new gym membership, it's important to stay ahead of severe weather, cyber threats, and other risks in 2026. That way, if your trip to Miami is canceled due to a hurricane, you won’t be stressed. Or if a strong storm hits, your home will be as prepared as possible to withstand the winds and heavy rains.

So, with that in mind, let’s raise a glass of bubbly and explore three easy insurance resolutions you might want to consider for 2026.

Insurance Resolution #1

Prepare for Severe Weather and Risk

Severe weather is on the rise, with events like wildfires, floods, hurricanes, and tornadoes predicted to become more frequent and intense. Climate change is reshaping risk, so your home and property insurance should keep pace. As you set your resolutions and goals for the new year, make it a priority to understand climate-related risks and update your insurance to reflect what’s expected in 2026.

What to do:

• Educate yourself on the latest technology, products, and strategies to reduce risks by watching our Risk and Resiliency Symposium. Access our on-demand video library now.
• Check if your policy covers the risks in your area. For example, you might want to consider flood insurance even if your property isn’t listed in a designated flood zone. Just one inch of water can cause significant damage. Find out what questions to ask yourself to evaluate your flood risk in our blog.
• Consider updating your coverage for natural disasters that could affect your home.
• Explore ways to make your home more resilient to perils, like stormproof windows, ember-resistant siding, and more. Starting with your roof and protecting the envelope of your home is a good place to begin.

Being aware of risks as you enter the new year is a practical way to protect your home, assets, and peace of mind.

Insurance Resolution #2:

Consider Cyber Coverage

Cyberattacks are no longer just headlines—they’re a real and growing risk, especially for high-net-worth individuals. It’s not a matter of if you will get hit by a cyberattack but when, and how well-prepared you are could make a difference. That’s why you might want to make this the year you resolve to strengthen your digital defenses.

What to do:

Review your cyber insurance policy.

• Invest in strong cyber defenses at home and work. For practical tips, review our guidance on protecting your digital world.
• Consider adding cyber insurance in 2026. Ask your advisor about options and find out how cyber insurance could add another layer of protection to your overall insurance plan. Contact us to learn more.
• If you already have cyber insurance, review your policy to understand your coverage and address any gaps. Many cyber policies may exclude or limit coverage for:
  • Social engineering attacks, such as requests to send funds for fraudulent purchases
  • Financial loss, including requirements for carrier approval before reimbursement in cases like digital extortion
  • Physical property, such as lost phones or laptops, which is often excluded, while data restoration is typically covered

With severe weather events on the rise and the likelihood of cyberattacks increasing after natural disasters, 2026 presents a good opportunity to shield your digital world.

Insurance Resolution #3

Additional Security Based on Your Lifestyle

If your 2026 includes travel plans, you manage a trust, you’re a high-net-worth individual, or you simply want extra security; add-on coverage is worth considering. Ask yourself if you’re prepared for:

Unexpected medical emergencies, travel delays, safety needs, and similar issues when traveling:

If you travel often, especially internationally, consider adding travel insurance to your coverage options in 2026.

Lawsuits with nuclear verdicts:

These types of lawsuits are increasing in many states, so depending on your unique circumstances, you may want to review your liability coverage to ensure it could cover a high-value claim. Learn more about liability coverage.

Trustee crime or trust vulnerabilities:

Managing a trust is a way many families protect their legacy. Still, if not properly protected, it may be at risk. Discover how our tailored trust insurance may help safeguard that legacy.

Work with your advisor to understand which add-on coverage options make sense for your unique risk profile and lifestyle, so you can confidently protect what matters most in 2026.

Start 2026 with Confidence!

The new year is a great time to review your insurance and make sure it’s ready for the challenges ahead. Whether it’s climate risks, cyber threats, delayed flights, or complex legal issues, making insurance resolutions now may help set you up for a safe, secure, and successful year.

If you need assistance, we’re here to support you as you conduct your review—because the best resolution to keep is being prepared. Wishing you a safe, secure, and adventure-filled 2026!