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A new year brings a fresh start—new calendars, new goals, and often, important life changes. While many people focus on resolutions like improving health or finances, the beginning of the year is also an ideal time to consider how upcoming milestones may impact your insurance coverage.
Life continues to change, and your insurance should keep pace.
Life Changes That Often Happen in a New Year
Whether you’re planning ahead or already navigating a transition, these common milestones often signal the need for an insurance review:
Getting Married or Engaged
A wedding is one of life’s happiest moments—and it often brings new responsibilities. From wedding insurance to combining auto and home policies, marriage is a natural time to review coverage and ensure both partners are properly protected.
Buying a Home or Moving
A new home introduces new risks and new opportunities to protect what matters most. Homeowners insurance, renters insurance, umbrella coverage, and even flood insurance may need to be reviewed or updated when you move. In addition, buying a new home in the perfect time to talk to your agent about life insurance. Here’s why.
Growing Your Family
Welcoming a child, adopting, or expanding your family changes everything—including your insurance needs. Life insurance, health coverage, and liability limits should be revisited to help secure your family’s future.
Sending a Child to College or Out on Their Own
Whether your child is heading to college, renting their first apartment, or moving out independently, this milestone often raises important insurance questions. Auto insurance, renters insurance, liability coverage, and health insurance considerations may need adjustments. Making sure coverage is structured correctly can help prevent gaps and unexpected surprises.
Starting or Growing a Business
Launching a new business or expanding an existing one is exciting, but it also introduces new risks. Business insurance, professional liability, workers’ compensation, and cyber coverage may become essential as your operations evolve.
Turning 65
Reaching age 65 is a significant milestone—and it means Medicare enters the picture. Understanding your options ahead of time can make the process smoother and less stressful. Planning early, ideally about three months before your birthday, is key.
New or Teen Drivers
Adding a new driver to your household can significantly impact your auto insurance. Reviewing coverage can help protect your family while managing costs effectively.
Why Reviewing Your Insurance Matters
Insurance isn’t something you set once and forget. Coverage that worked well five years ago may no longer reflect your current needs—or may not be the most effective option today. A regular review helps ensure:
- You’re properly protected
- You’re not paying for coverage you no longer need
- Your insurance aligns with your current goals and responsibilities
Start the Year with Confidence
The new year is a natural checkpoint—a chance to ask, “Does my insurance still fit my life?”
At Blue Marsh Insurance, we believe your coverage should evolve as your life does. Whether you’re preparing for a milestone or navigating one already, our team is here to help you review your policies, answer questions, and make thoughtful adjustments—clearly, confidently, and without pressure.
If this year brings change, let’s make sure you’re protected every step of the way.
📞 Contact Blue Marsh to start the year confident, prepared, and well covered.
A little more about Blue Marsh Insurance…
When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.
As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
If you’re interested in starting a quote online or having us take a look at your current policies, click here!