December is a busy month—travel, holidays, shopping, cold weather—and all of it can impact your insurance. Here are the key things to keep in mind as we wrap up 2025:

❄️1. Winter Weather Risks

Frozen pipes, roof leaks, and space heater fires spike in December.
Quick tip: Insulate pipes, clean gutters, and double-check your homeowners coverage for winter-related damage.

🕶️2. Holiday Theft Is on the Rise

Package theft and vehicle break-ins increase this time of year.
Make sure you have: Personal property coverage, off-premises theft protection, and comprehensive auto coverage.

🧳3. Traveling This Month?

Whether you’re flying or taking a road trip:
Review: Roadside assistance, rental car coverage, travel insurance, and your health plan’s out-of-network benefits.

🏪4. Businesses: Year-End Liability Check

More customers, seasonal staff, and holiday events mean higher risks.
Review your General Liability, Workers’ Comp, Commercial Auto, and Cyber policies before January.

🍎5. Life & Health Insurance Updates

Open Enrollment deadlines are approaching and life insurance needs may have changed this year.
Ask yourself: Are my beneficiaries current? Do I have enough coverage?

🫣6. Watch for Holiday Scams

Online shopping and email scams peak in December.
Consider identity theft protection and stay alert for phishing emails.

🛡️Start 2026 Protected

A quick policy review now can prevent major headaches later. If you’d like help reviewing your coverage before the year ends, our agency is here to assist. Call, email or visit us- we are available in office at our Odessa and San Angelo Texas offices.