Home Sweet Home, Protected Home: Why Upgrades Need Insurance Check-Ups

We all know homeowners’ insurance protects our precious castles from unexpected disasters. But what about when we improve our castles? Adding a fence, building a playhouse, or creating that dream She-Shed can significantly alter your property and its insurance needs.

Think of it this way: your home is more than just bricks and mortar. It’s the cozy furniture, the landscaped yard, and the personal touches that make it uniquely yours. Homeowners’ insurance protects everything that contributes to your comfortable haven, and that includes improvements you make over time.

So, the question is: does your current coverage keep pace with your evolving home? The answer might be a wobbly “maybe.” Instead of living with uncertainty, here’s why staying connected with your independent insurance agent is crucial:

Knowledge is power: Your agent can assess your current coverage and advise if it’s sufficient for your new additions. They can also identify potential coverage limits that need adjusting.
Keeping up with value: As you improve your home, its value (and potential risk) increases. Your insurance coverage should reflect this to ensure you’re adequately protected in case of unforeseen events.
Peace of mind, priceless: Knowing your home is fully covered, from foundation to She-Shed, brings invaluable peace of mind. Don’t let outdated coverage leave you exposed.

Here’s the action plan:

Communicate improvements: Whether it’s a major kitchen remodel or a backyard playset, inform your agent about any significant changes to your property.
Schedule a review: If it’s been a while since your last checkup, consider a comprehensive review of your homeowners’ insurance. This ensures your coverage aligns with your current needs.
Explore options: Our independent agents can review policies from various companies, potentially offering you money-saving alternatives while maintaining optimal protection.

Remember, your home is a unique reflection of your life and deserves proper protection. By staying connected with your agent and keeping your coverage up-to-date, you can ensure your castle remains safe and sound, no matter how it evolves.