As 2026 approaches, individuals and businesses in Ohio, Kentucky, and across the U.S. should take a proactive approach to insurance. Rising costs, regulatory changes, and evolving risks make it essential to review your coverage and ensure it aligns with your current needs. At Intelli Choice Insurance, a Dave Ramsey Endorsed Local Provider, we provide expert guidance to help clients navigate complex insurance decisions and protect what matters most.
Review Your Homeowners Insurance
Replacement cost isn’t the same as market value. With construction and material costs rising, your home’s current replacement cost may be significantly higher than your policy limit reflects. Conducting a homeowners insurance review ensures your coverage keeps pace with today’s realities. Updating limits proactively helps prevent costly gaps in protection if disaster strikes.
Evaluate Business Insurance Needs
For business owners, insurance planning is equally critical. Property, liability, and workers’ compensation coverage should reflect your company’s current operations, locations, and risk profile. Regularly reviewing business insurance in Ohio and Kentucky allows you to identify gaps, optimize limits, and secure coverage tailored to your evolving needs.
Consider Supplemental and Umbrella Coverage
Standard policies may not cover every scenario. Supplemental insurance—such as flood, earthquake, or specialized commercial policies—can protect against uncommon but costly events. Umbrella insurance provides an additional layer of liability protection, safeguarding personal and business assets from major claims or lawsuits.
Plan for Health and Life Coverage Changes
Healthcare regulations and subsidy changes may affect health insurance costs in 2026. Reviewing health and life insurance ensures your family or employees remain protected while minimizing gaps in coverage. Understanding your risk profile and projecting future needs is essential for maintaining financial security.
Take Action Now
Insurance isn’t one-size-fits-all. Regular reviews, strategic coverage updates, and expert guidance are essential for individuals and businesses looking to protect their assets in 2026. As a Dave Ramsey Endorsed Local Provider, Intelli Choice Insurance is committed to providing straightforward, knowledgeable advice to help clients make informed insurance decisions with confidence.