January Insurance Check-In: Starting the Year Prepared in Montana

January is a natural time for fresh starts, and for Montana families and businesses, it’s also a smart time to review insurance coverage. Winter conditions, new purchases, and changes from the past year can all impact how well your policies protect you today.

Over the holidays, many households add new electronics, tools, furniture, or recreational equipment. If these items aren’t reflected in your policy, coverage limits may fall short if a loss occurs. A quick review can help ensure your personal property coverage still matches what you own.

January is also a good time to think about liability. Snow and ice increase the risk of slip-and-fall accidents at homes and businesses. Making sure walkways are maintained and coverage limits are appropriate can help protect you if someone is injured on your property.

For business owners, the start of the year often brings operational changes. Updated equipment, new vehicles, staffing adjustments, or expanded services can all affect insurance needs. Aligning coverage with how your business operates today helps reduce gaps and surprises later.

Insurance isn’t something to set and forget. A January check-in can help ensure your coverage reflects your current life, work, and risks—so you can move into the new year informed and prepared.