The start of the new year is a time of reflection and motivation, making it the ideal season for agents to check in with clients. Homeowners may be planning a big move in 2025 or finally starting that renovation they talked about all last year.

Whatever your clients' plans, 2025 is set to be a year of significant change with shifting markets and evolving weather patterns—making it more important than ever to ensure your clients are adequately protected.

Help your customers start the year off on the right foot with this checklist of important considerations for homeowners:

1) Review current policies and coverage needs. The first step in a yearly policy review process is looking at your client's existing policy to determine any gaps or redundancies. Although the hard market is showing signs of easing—with AM Best recently updating its personal lines outlook from negative to stable—AM Best still forecasts the outlook for the homeowners market as negative due to volatility in weather and results.

This volatility may also mean the cost for your clients to repair or replace their assets may increase. By taking proactive steps, you can help guarantee that your clients remain adequately protected, no matter what 2025 brings.

2) Assess client life updates. The new year may come with champagne-worthy celebrations, including weddings, major purchases and renovations. These milestones could require updated or additional coverage to ensure your client's assets remain well-protected. The new year is the ideal time to review and address any changes or future needs. By proactively discussing their evolving circumstances, you can help ensure they are fully protected for the year ahead.

3) Evaluate home conditions. Your client's home is likely their largest asset, so keeping it in good condition is essential. While maintaining their property is crucial for safety, it's also important for determining homeowners insurance costs.

One of the most critical areas to monitor is the roof. If it is old or damaged, the risk of leaks and water damage increases, leading to higher premiums. Regularly assessing the condition of their home is vital and will help your clients receive the coverage they need. 

4) Offer additional coverages. As extreme weather events become more frequent and severe, it is crucial to offer an additional layer of coverage, such as flood or umbrella insurance to their policies. This additional coverage is essential for many homeowners to protect their property and assets. If they don't adjust their insurance to account for evolving risks, customers could find themselves underinsured and facing financial difficulties during a disaster. Help your homeowners determine the coverage they need to avoid vulnerability, especially as more areas are experiencing extreme weather.

Your clients' needs are constantly evolving, from major life events to market fluctuations. Scheduling annual reviews is essential to keep their coverage up-to-date and effective. By regularly reviewing and updating coverage, you can ensure your clients are not left vulnerable to unexpected changes or rising costs—whatever the year may bring.

Rachel Switchenko is vice president of customer solutions at Plymouth Rock Home Assurance Corporation.