What Families Should Review Before Year-End: Essential Insurance Checkpoints with Saad Janjua

– BY SAAD JANJUA | 2025

As the year draws to a close, it’s the perfect time to review your insurance coverage and ensure your family is protected heading into the new year. Life changes fast, whether it’s a new home, a growing family, or changes in your business, and your insurance should keep pace.

I’m Saad Janjua, Owner and Agent of SJ Insurance State Farm, and I’m here to help you identify key areas to review before the calendar flips.

Why a Year-End Insurance Review Matters

Your insurance needs can shift throughout the year, but it’s easy to overlook updates during busy times. A thoughtful review before year-end helps you:

• Avoid gaps in coverage that could leave you vulnerable

• Take advantage of new discounts or bundled policies

• Adjust to life changes that impact your risks and assets

• Plan financially for the year ahead with confidence

Here are the top areas families should focus on in their year-end insurance check-in:

1. Auto Insurance: Update Your Driving and Vehicle Status

Have you added a new driver, like a teen who just got their license? Sold or bought a vehicle? Changes like these can affect your premiums and coverage needs. Also, consider whether your current deductible aligns with your budget and risk tolerance.

2. Homeowners and Renters Insurance: Protect Your Property and Belongings

Did you make any home improvements or purchase valuable items this year? Updating your policy to reflect these changes ensures you’re fully covered in case of damage or theft. Also, review your coverage limits and consider whether additional protection, like flood insurance, is necessary in your area.

3. Life Insurance: Reassess Your Family’s Financial Needs

Major life events — marriage, the birth of a child, or paying off a mortgage — can change how much life insurance coverage you need. Make sure your policy aligns with your current financial responsibilities and goals.

4. Business Insurance: Reflect Business Growth or Changes

If you own a business, year-end is a great time to review liability limits, property coverage, and employee-related policies. Any expansions, new equipment, or changes in operations should be communicated to your agent to avoid surprises.

5. Pet Insurance: Ensure Your Furry Family Members Are Covered

If your pet has experienced health issues or you anticipate upcoming veterinary care, review your pet insurance policy’s coverage and limits.

Tips for an Effective Year-End Insurance Review

• Gather Your Documents: Have your current policies, receipts for valuables, and any relevant financial information handy.

• List Life Changes: Document any changes over the past year that might affect coverage.

• Ask Questions: Don’t hesitate to ask your agent about coverage details, discounts, or new products.

• Consider Bundling: Bundling multiple policies can save money and simplify management.

• Schedule a Meeting: A professional review can uncover gaps or unnecessary coverage.

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Let’s Make Sure You’re Ready for the New Year

Insurance is not just about protection — it’s about peace of mind. As your local State Farm agent, I’m committed to helping you understand your policies and ensure your coverage fits your evolving life. If you’d like to schedule a year-end review or have questions, please reach out to me at SJ Insurance State Farm. Together, we’ll protect what matters most.

Meet The Author

Saad Janjua is the Owner and Agent of SJ Insurance State Farm. A graduate of Minnesota State University Moorhead with a bachelor’s degree in communication and project management, Saad also holds several Business Management certifications from Harvard University. With over 10 years of corporate leadership experience, Saad specializes in personalized insurance coverage for auto, home, renters, life, pet, business, and farm insurance. Outside of work, Saad actively volunteers with local nonprofits supporting those in need.

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