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Why Your Homeowner's Insurance Needs a Checkup

Think about all the changes you make to your house - adding or removing furniture, installing a new hot water heater, replacing the roof, repairing your fence, etc. Now, think about all the changes you make to your homeowners insurance policy to reflect those changes. Do they add up? To make sure your home is properly protected, plan an annual homeowners review to determine if you may need to adjust your coverage. Don't let this scare you, sometimes this can actually save you money!

3 Common Areas That Affect Coverage
  1. Renovations
    Remodels and additions may increase the estimated replacement cost of your home - even the smallest changes can make a difference. 

  2. Inventory Changes
    Your personal possessions often vary when life-changing events take place such as a kid moving out from college, having a child, marriage and combining households, divorce or even death. These changes can increase or decrease the amount of coverage you need. 

  3. Safety Upgrades or Improvements
    Adding security features or upgrades on your house could possibly save you money on your home insurance premium! Did you install a new security system, get a new roof, upgrade your electrical wiring and/or plumbing? Let your agent know, there may be discounts available! 

Home Inventory Checklist

Use a room-to-room checklist to make sure you are replaced properly in the event a disaster strikes and you lose all of your belongings! To retrieve a pre-made inventory checklist, click here to have it emailed to you! We promise no spam will be sent!

Still wondering if you have enough coverage or if you're missing any discounts? Call us 806-763-7311 to speak with an agent who can assist you. Not a client? No worries, you can still give us a call - we are here to help. 

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