February in Northeast Texas brings unpredictable weather, tax season preparation, and a great opportunity to review your insurance needs. As we transition from winter to early spring, it’s important to make sure your home, auto, and life insurance policies are up to date and ready for whatever the year brings. Here’s what you should focus on this month.

1. Prepare for Spring Storms

While February can still bring cold snaps, it’s also a time to start preparing for severe spring weather, including thunderstorms, high winds, and even tornadoes. Now is the time to:

• Review your homeowners or renters insurance to ensure you have adequate storm damage coverage.
• Check your deductibles for wind and hail damage.
• Consider adding flood insurance if you’re in a flood-prone area, as standard policies typically don’t cover flooding.

2. Auto Insurance Check-Up

Icy roads and heavy rains make driving conditions tricky in Northeast Texas. Make sure your auto policy includes:

• Comprehensive coverage for weather-related damage.
• Roadside assistance for unexpected breakdowns.
• Rental reimbursement coverage in case of an accident.

If you’ve recently purchased a new vehicle, ensure your policy reflects the right coverage limits.

3. Life Insurance Awareness

February is the perfect time to reassess your life insurance needs, especially if you’ve had recent life changes like marriage, a new baby, or a new home purchase. Life insurance provides peace of mind that your loved ones will be financially secure in case of the unexpected. If you don’t have a policy yet, consider getting a free quote.

4. Business Insurance Review

If you own a small business in Northeast Texas, take time to review your policies. Protect your livelihood by ensuring you have adequate liability, property, and workers’ compensation coverage. With tax season around the corner, now is also a good time to review potential deductions related to business insurance.

5. Love & Insurance: A Perfect Pair

Since February is also the month of love, consider giving your family the ultimate gift—financial security. Whether it’s updating beneficiaries on your policies, increasing coverage, or purchasing a new policy, ensuring your loved ones are protected is a meaningful way to show you care.

Final Thoughts

Insurance isn’t just about protection—it’s about preparation. Take this month to review your policies, ask questions, and make adjustments where needed. If you need a policy review or have questions about your coverage, our team at Legacy Insurance Agency is here to help.

Stay safe, stay covered, and enjoy February in Northeast Texas!