A new year brings new goals; maybe you’re planning to get healthier, travel more, or make a big career move. But as you build your resolutions for 2026, don’t forget one essential item that often gets overlooked: your personal insurance coverage. Life changes quickly, and a yearly insurance review woththe team at EPB&B Insurance can put the proper coverage in place so that you, your family, and the things you value most are protected.
Hit the Road with Confidence
Auto insurance isn’t just about meeting state minimums, it’s about being prepared for real-world accidents. In Oregon, liability minimums remain $25,000 per person / $50,000 per accident, but today’s repair and medical costs can easily exceed that.
As vehicles become more technologically advanced, repairs are more expensive than ever. A simple fender bender involving sensors or cameras can cost thousands. Take a moment to review your liability limits, uninsured motorist coverage, and deductibles. Being properly insured means you’re financially protected long after the tow truck leaves.
Give Your Homeowners Policy a 2026 Upgrade
If 2025 was a year of home improvements; a kitchen renovation, smart-home upgrades, new flooring, or even energy-efficient windows, your homeowners insurance may need an update too.
Many homeowners don’t realize that renovations, additions, and increased material costs can change the replacement value of their home. Even smaller upgrades, like new appliances or outdoor living spaces, can affect your coverage needs. A quick review ensures your policy keeps pace with the investments you’ve made.
Add an Umbrella for Extra Protection
Life is unpredictable and liability claims can be costly. Whether your dog nips a passerby, a guest slips on your icy walkway, or a teen driver in your household has an unfortunate collision, liability lawsuits can exceed the limits on your existing policies. A personal umbrella policy provides an additional layer of protection, typically starting at $1 million in extra liability coverage. Consider an umbrella policy if you:
- Drive regularly or have teen drivers
- Own a home
- Have a dog
- Host gatherings
- Rent out part of your property
- Use a trampoline, pool, or hot tub
- Volunteer or coach youth sports
- Travel frequently
Think of it as a financial safety net that protects your future, not just your present.
Your 2026 Insurance Resolution Made Easy
Insurance can feel complicated, but it doesn’t have to be. The experienced team at EPB&B Insurance is here to help you make smart, informed decisions. A quick annual review of your auto, home, and umbrella coverage ensures you’re protected no matter what 2026 brings; from big life changes to unexpected surprises.
Start the year confident, covered, and ready for whatever comes next.
EPB&B is here every step of the way.