Sandy Fischer | Jun 04 2025 15:00
It’s important to remember that homeownership comes with its own set of responsibilities, especially when it comes to insurance. To help you safeguard your investment, we’ve compiled three essential insurance tips for homeowners.
Consider Additional Coverage
Standard homeowner policies might not cover all possible risks. It's important to review your policy and have the conversation with your agent to see if you'd benefit from additional coverage such as an umbrella policy, service line coverage, water back up coverage...just to name a few.
Maintaining Your Home
Making sure your home is properly maintained is a key factor when it comes to home insurance. Did you know that companies have the right to non-renew your policy if your home is not being properly maintained? As a homeowner, it is your responsibility to:
- regularly check your rain gutters and downspouts to be sure water is draining properly away from your home
- trim trees and brush to prevent damage to siding and the roof or potential damage to a neighbor's property
- check your roof annually for wear and tear, missing shingles, etc.
- replace worn steps or boards on porches and decks
- install railings on steps and decks
Communicate Home Improvements to Your Agent
It's exciting to make updates to your home. Just remember, those updates can increase the value of your home. In the event of a loss, we want to be sure you are able to replace your home to what it is today. Be sure to call us to let us know you put on an addition, a new garage or shed, or put on a new roof. They all have an effect on your Dwelling Value.
Understanding your home insurance is not just about policy compliance; it's about securing your home and financial future. Whether you’re stepping into homeownership for the first time or looking to optimize your current coverage, staying informed is key. Our goal is to help you protect your greatest assets.
