NEW YEAR, NEW HOME? SMART INSURANCE CHECKLIST BEFORE YOU BUY IN 2026

A new year often inspires fresh starts, and for many, that means beginning the search for a new home. Whether you’re upgrading, downsizing, or stepping into homeownership for the first time, the start of the year is an ideal time to get organized and make informed decisions. But before you dive into listings or schedule your first tour, it’s important to understand the insurance considerations that can impact both your buying experience and long-term peace of mind. Today, we’ll walk through key insurance checkpoints every homebuyer should review before making a 2026 purchase.

UNDERSTANDING THE LAY OF THE LAND

In California, a home’s fire score can heavily influence both insurance availability and pricing. A property may feel low-risk when you’re standing in the driveway, but carriers often rely on detailed wildfire maps that tell a different story. Knowing a property’s fire zone early can prevent delays later and help you better anticipate what coverage options will look like before you fall in love with the home.

OLD BONES, NEW PROBLEMS

Insurance carriers pay close attention to the age and condition of the roof, plumbing, electrical system, and other core components of a home. Older systems may raise concerns or require updates before a carrier is willing to offer coverage. Taking note of these features during the buying process can save time and help you understand whether the home will qualify for standard insurance or may need additional work after closing.

DON’T MISTAKE MARKET VALUE FOR REBUILD VALUE

A home’s market price and its insurable value are two very different numbers. Insurance is based on what it would cost to rebuild the home from the ground up, which can be higher—or sometimes lower—than the purchase price. Having your agent run a replacement cost estimate early gives you a realistic picture of potential coverage limits and helps confirm the home can be properly insured once you’re ready to move forward.

START 2026 ON SOLID GROUND

Buying a home is an exciting way to begin the year, and taking a proactive approach to insurance can make the entire process smoother. If you’re planning a move in 2026, The Weiser Agency is here to help you review coverage options, understand property-specific risks, and secure the protection you need from day one.