Choosing Better Insurance Coverage

Few things are more important than having the right insurance coverage. About ten years ago, I was involved in a near-fatal crash where I experienced traumatic physical and emotional injuries. It was really challenging for me to endure the hospital stay and subsequent physical rehabilitation, but with the help of my medical team and my insurance company, I was able to overcome the challenge and completely recover. This blog is all about the importance of choosing the right insurance plan so that you can get on with your life and enjoy those precious years with your family and your friends.

5 Signs You Need To Look At Your Home Insurance Policy

Insurance Blog

Paying monthly home insurance premiums is an important part of being a homeowner. However, some people make the mistake of purchasing a policy and then never looking at it again. Your life can change over the years and your homeowners insurance policy should reflect those changes.

Here are a few signs you need to look at your home insurance policy again.

You Recently Remodeled Your Home

Whether you have added a deck to your outdoor living space or installed new flooring and cabinets in your kitchen, a remodel can increase the value of your home. Since your home is now worth more, you may need to increase your home insurance.

You Purchased a Swimming Pool

Having a swimming pool yard in your backyard can definitely make summers a lot more enjoyable. However, swimming pools are not just fun and games. If a person gets injured in your pool, you will be held liable for the damages. As such, you likely will have to start paying more on your home insurance premiums from now o.

You Installed a Security System in Your Home

Even if you live in a very safe neighborhood, it is always beneficial to have a security system in your home. It can deter burglars and give you and your family peace of mind. A security system can also lower your home insurance premiums. After all, your home is now less of a liability to your insurance company. 

You Added a Furry Family Member

What could be more exciting than adding a new dog to your family? However, in the midst of all that excitement, you can't forget about your home insurance. While the majority of these policies come with coverage for dog bites, you have to let your insurance agent know about your new dog right away.

You Recently Retired

If you just retired, you should give your insurance agent a jingle. You may qualify for a discount. Retired people typically are at home more, so there is less risk of home robberies. You can start saving on your monthly premiums as soon as you tell your agent.

If any of these situations apply to you, it is time to give your insurance agent a call. You do not want to be underinsured or miss out on a discount. An insurance agent can help you update your insurance policy to reflect the many changes in your life. 


30 September 2021