February might not seem like an obvious month to think about your home insurance but it’s actually one of the smartest times of year to review your policy.
After the busyness of the holidays and before spring storm season ramps up, February offers a quiet window to make sure your coverage still fits your home, your lifestyle, and your budget.
Here’s why this short month is the perfect time to take a closer look.
1. You’re Between Major Seasons
In many parts of the country — including Texas and other storm-prone states — spring brings hail, high winds, and heavy rain. Reviewing your policy in February gives you time to:
- Confirm your wind and hail deductible
- Check if you have flood insurance (standard policies don’t include it)
- Verify your dwelling coverage reflects current rebuilding costs
It’s much better to find coverage gaps now than after a claim.
2. Rebuilding Costs Have Changed
Construction costs have fluctuated significantly over the past few years. If you haven’t reviewed your policy recently, your coverage limits may not reflect today’s rebuilding expenses.
A February review ensures:
- Your dwelling coverage matches current material and labor costs
- You’re not underinsured
- Your home improvements are properly accounted for
Even small upgrades — like new flooring, a kitchen remodel, or a backyard structure — can affect your coverage needs.
3. The Holiday Dust Has Settled
Did you receive jewelry, electronics, appliances, or other high-value items during the holidays?
Many homeowners forget to update their policy after major purchases. February is a great time to:
- Add scheduled personal property coverage for jewelry or collectibles
- Increase personal property limits if needed
- Review coverage for home office equipment
If you’ve invested in your home, your insurance should reflect it.
4. It’s Before the Busy Real Estate Season
Spring is one of the busiest times for buying and selling homes. If you’re considering refinancing, selling, or purchasing another property later this year, reviewing your insurance now keeps you prepared.
It also gives you time to:
- Shop rates if needed
- Compare deductibles
- Ask questions without feeling rushed
5. It Helps You Stay Ahead Financially
Insurance isn’t something most people think about until they need it. A proactive review can:
- Identify potential savings
- Reveal bundling opportunities (auto + home)
- Adjust deductibles to better match your budget
- Ensure liability limits are strong enough to protect your assets
Even a quick 15-minute check-in can provide peace of mind for the year ahead.
What Should You Review?
When reviewing your home insurance policy, consider:
- Dwelling coverage amount
- Wind/hail or named storm deductibles
- Flood insurance (if applicable)
- Personal property limits
- Jewelry or specialty items
- Liability limits
- Discounts or bundling opportunities
February is a calm moment before spring activity begins. Taking time now to review your home insurance can prevent costly surprises later.
Your home is likely your largest investment. A quick review ensures it’s protected properly — not just adequately. If it’s been more than a year since you looked at your policy, this is your reminder.