January is the time for New Year's resolutions, and one of the most important things you can do to start 2016 off on the right foot is to make sure your home or property is protected. Whether you need home insurance, farm insurance, or mobile home insurance, getting your insurance needs squared away will set you up for financial security for the year to come. Check out this important advice from Texas County Mutual Insurance in Licking, Missouri to help get you started.

The right insurance protects you from a financial disaster if something happens to your home or property. Whether the damage is caused by storms, water, or fire, home insurance will pay the high costs of replacing lost property and valuables — something you probably couldn't do on your own, so it's best to be prepared.

Not all policies are the same, so it's important to understand what's covered in each one. You can tailor your policy to protect you against certain events if you think they are likely to happen. Flood insurance isn't included in a standard home insurance policy, so if you live in an area prone to flooding, ask your agent about adding flood coverage. You may also need extra coverage to replace the contents of your home if anything happens to the building. Some policies cover only the current value of your items, which may not be enough to buy new versions. Check with you agent to see how much coverage you need in your personal situation.

As for tricks and tips, choosing a high deductible plan could save you money in the long run, especially if you never make a claim. Also, choose a policy that offers a discount if you don't make a claim — that way you can cash in on your good luck!

When you're ready to set up your insurance for the coming year, call Texas County Mutual Insurance at (573) 674-3125 or check out their website for more information.