Insurance renews automatically. Life does not.
That gap is where people get hurt.
Every year, the world around us shifts. Construction costs rise. Weather patterns become more unpredictable. Homes are remodeled. Businesses add equipment, employees, vehicles, and new exposures. Yet most insurance policies stay exactly the same unless you and your advisor intentionally review them.
That is the real cost of standing still.
Coverage that doesn’t keep up eventually breaks down.
Static Limits Are Sneaky
Many endorsements on home and commercial policies have fixed limits that never adjust unless you update them. A common example is water backup coverage. Years ago, ten thousand dollars was considered plenty. Today, it may not even cover the cost for a contractor to begin remediation, much less rebuild a finished basement.
Other limits fall into the same trap:
• Service line coverage
• Equipment breakdown
• Roof coverage and depreciation
• Liability limits
• Business property valuations
If these numbers have not been updated recently, they are almost guaranteed to be out of step with today’s costs.
Your Life Has Grown. Your Insurance Should Too.
Think about the past year. Did you make improvements to your home? Add a new driver? Start a side business? Buy new equipment? Travel more often?
Small changes add up and can create gaps you never intended.
For business owners, this is even more important. Growth is exciting, but it also introduces new responsibilities. Additional staff, new machinery, expanded fleets, or shifts in operations all impact risk. Carrying last year’s coverage into the new year is a gamble that rarely pays off.
2026 Brings New Realities
The insurance landscape continues to shift. Higher repair costs, more frequent weather events, and inflation in the trades mean claims cost more than ever. That makes it essential to confirm that your limits and deductibles are set to protect you if the unexpected happens.
Staying with 2025 coverage is easy.
Being properly protected in 2026 takes intention.
Start the New Year Confident, Not Exposed
A simple annual review with your Camargo advisor can uncover outdated limits, identify new risks, and make sure your policy reflects your life as it is today, not the life you had when your policy renewed last year.
Peace of mind should not be left to chance.
Let us help make sure your insurance keeps up with you.
Schedule your no obligation insurance review and step into 2026 fully protected.