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

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Step Back in Time: 7 Small Towns with Unique American Atmospheres

Discover America’s most atmospherically unique small towns.

Beyond the Bar: Customer Service Lessons from the Best Bartenders

Unlock customer service secrets from your favorite bartender.

Your Safety Net Has a Safety Net: Understanding the Life Insurance “Free Look” Period

Discover your life insurance policy’s “free look” period.

From Edsel to Yugo: Three Automotive Flops That Made History

The biggest blunders in automotive history.

Stay or Go? Why Improving Your Current Home Might Be Your Best Move Yet

Love your home, don’t leave it! Discover why improving beats moving.

The Unforgettable Eight: Women Who Captured Our Hearts

Meet the eight women who are loved by all.

Elevate Your Enterprise: 11 Smart Ways to Boost Business Professionalism

Boost your business’s professionalism without breaking the bank.

Lightening the Load: A Guide to Decluttering for Your Loved Ones

Declutter for peace of mind, yours and theirs.

Smart Car Buying: Beyond the Sticker Price

Unlock the hidden costs of car ownership.

6 Simple Steps to Supercharge Your Home Security

Simple, affordable ways to protect your home.