June 30, 2025  |  Written by Erin McCafferty

​Life moves fast and your insurance should keep up. At Donegal Insurance Group, we want to make sure you’re protected through every milestone.

Here are six common life changes that might mean it’s time to update your insurance:

🚩 New Car

Adding or replacing a vehicle changes your auto insurance needs. Make sure your coverage matches the value and usage of your new ride. 

🚩 Starting a Business

Launching a business can create new liabilities. Business insurance can help protect your operations, assets, and income. 

🚩 Major Purchases

Buying big-ticket items like electronics, furniture, or equipment can increase the value of your belongings. It’s important to make sure your personal property coverage is high enough to cover everything in case of loss or damage. 

🚩 Renovations

Updating your home increases its value and the cost to rebuild. Notify your insurance agent so your coverage reflects these improvements. 

🚩 Marriage or Divorce

Marital status affects everything from your home and auto policies to life insurance. Update beneficiaries and policyholders to avoid gaps in coverage. 

🚩 Career Change

A new job can impact your driving habits, income, or benefits package. This could affect coverage needs, especially if you lose employer-sponsored insurance. 

At Donegal Insurance Group^®, we remain committed to helping our policyholders protect what matters most. Whether it’s your home or business, staying prepared during periods of poor air quality can make a meaningful difference. If you have questions about your coverage or risk mitigation, our team is always here to help.