Re-Evaluating Your Homeowners Insurance
Re-Evaluating Your Homeowners Insurance
One common question we get asked about homeowners’ insurance is how often it should be reviewed. You should have an independent insurance agent review your policy at least once a year. That may seem frequent, especially if you’ve never reviewed your policy since you bought your home.
Reviewing your policy annually ensures that your policy is keeping up with your home and that you are not overpaying. But it is also important to contact an independent agent for a review if there have been some significant changes to your home or your personal life. Here are some examples.
You Build an Addition
Adding a room to your home adds square feet and will likely increase the value of your home. Other significant improvements may impact your coverage as well, including a major bath or kitchen remodel. Considering adding a pool or spa? Contact an independent agent to see its impact on your coverage.
Getting Married
When you get married, you are merging households, including personal belongings. You want to make sure you have sufficient coverage for your home’s contents.
You Inherit a Property
If you inherit a property, you’ll want to make sure it is properly insured for both the short and long term, should you decide to keep it. Keep in mind that home insurance rates can change depending on whether a house is a primary residence, a rental or income property, or a vacation home. Your independent agent can help guide you through this.
You Improve Security
Some companies may offer discounts for upgrading the security of your home. If you have contracted for monitored security of your home, purchased a new security and/or alarm system, or added more secure windows, contact an independent agent to see if you qualify.
Home insurance is perhaps the most neglected of all insurance coverage. You could be making unnecessary changes or even overpaying for your home insurance. If it has been too long since you’ve reviewed your homeowners’ insurance, we invite you to reach out to us for a no-cost, no-obligation review and price quote. It’s the right thing to do.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Read More Blogs
Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold
Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.
Green Means Growth: How Environmental Responsibility Can Boost Your Business
It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.
The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia
Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.
Peace of Mind at Home: Building Your Essential Supply Stockpile
Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.
Faded Glory: Remembering the Sports That Once Ruled Our World
Remember when these sports were huge? Take a trip down memory lane with harness racing, bowling, boxing, and poker, and explore their shift in popularity.
Shielding Your Dream: Essential Insurable Risks Every Small Business Faces
Protect your small business! Understand key insurable risks like liability, vandalism, theft, employee injuries, and business interruption, and how insurance can help.
Finding Your Financial Foundation: Understanding the Minimum Life Insurance You Need
What’s the minimum life insurance you really need? Learn about covering final expenses, debts, and providing immediate financial relief for your family.
The Century-Long Rumble: The Epic Rivalry Between Ford and Chevy
Relive the classic Ford vs. Chevy rivalry, from the Model T era to the Mustang vs. Camaro showdown and today’s truck dominance.
Living Large: Peeking at the United States’ Most Outlandishly Expensive Homes
Explore the incredible world of ultra-luxury real estate with a look at some of the most expensive homes recently sold in the United States.
Curious Origins: Unraveling the Stories Behind Everyday Phrases
Uncover the surprising stories behind everyday phrases like “holy Toledo,” “crocodile tears,” “jaywalking,” and more!