AAA shares ‘insurance resolutions’ for 2026 preparedness 

As Americans settle into the new year, AAA is encouraging them to review their insurance coverage. With life changes happening throughout the year – job shifts, moves, renovations, new drivers in the household – AAA says now is the ideal time to ensure policies still match current needs.

“The start of a new year is the perfect moment to take a fresh look at your insurance,” said Dan Scroggins, AAA personal lines insurance vice president. “A lot can change in a year, and your policies should change right along with your life.”

AAA recommends that motorists annually reassess how much they’re driving. With many people working from home or entering retirement, changes in mileage may qualify them for lower rates. Households with students leaving for college or teens gaining driving privileges should also update their policies.

Drivers with older vehicles may want to review whether collision or comprehensive coverage is still cost‑effective. AAA also encourages taking a defensive driving course, which can offer both safety benefits and potential premium savings.

Homeowners and renters are urged to update their home inventories – either by listing valuables or recording a simple smartphone walkthrough, especially after major purchases or home upgrades.

Renovations such as finished basements or updated bathrooms can change the value of a home and the coverage needed. Consumers should keep in mind that insurance is based on the cost to rebuild, not the home’s market value.

When it comes to life insurance, maintaining a healthy lifestyle and seeing a doctor regularly are not only good for long‑term wellness, but may also help lower rates. Because premiums are based partly on age and overall health, younger and healthier applicants often receive better options.

AAA advises reviewing beneficiaries annually and ensuring important documents are stored securely and also shared with a trusted contact.

A standard homeowners policy may leave several costly gaps in coverage, including water backup, service line failures and mold remediation – issues that can lead to major unexpected expenses. Adding the appropriate endorsements ensures homeowners are protected from these common but often overlooked risks.

Flood insurance, which is not included in standard homeowners policies, may be essential for people living near water or in areas prone to heavy rainfall, even if they’re not in a designated high-risk flood zone.

Umbrella insurance, which is extended liability coverage beyond home and auto policies, can also offer added financial protection at an affordable cost.

For frequent travelers, travel insurance can provide reimbursement for cancellations and coverage for medical emergencies or evacuations during trips.

Pet owners may also benefit from pet insurance, which helps offset the cost of veterinary care in case of illness or injury.

“No one wants to think about worst‑case scenarios, but taking an hour to review your insurance at the start of the year can make a huge difference,” Scroggins said. “It helps ensure you’re protected and that you’re not overpaying for coverage you don’t need.”