Reviewing your Home Insurance Policy?

People tend to let months and even years go by without reviewing their homeowner’s insurance policies, often leading to complications involving up-rates and claims later down the road. This article will discuss three reasons to review hour homeowner’s insurance policy in order to keep it a legally binding contract between yourself and your insurance carrier. 

When you upgrade the Property: When you make upgrades to your property you are adding value to the overall property. By contacting your insurance carrier and discussing and increasing the coverage limits you are protecting yourself more completely. There will likely be a slight increase in premium due to the increased payout should something ever happen. 

When your possessions grow: Our lists of possessions are ever growing and evolving and therefore our homeowner’s policies should be as well. People buy and sell things all the time and this changes the amount of contents coverage required on your policy. Keep a list of items including detailed descriptions and values for your possessions should a natural disaster or robbery take place. Being armed with photographs and appraisals will aid you in the claims process should you ever find yourself in that situation. 

When you want more protection: Certain natural disasters are not covered on a standard insurance policy and requires what is known as a “rider”. A rider on your policy can add coverage for events such as earthquakes and tornadoes. Contact your carrier for details regarding additional coverage and riders. 

Florida Auto Plus insurance is a family owned AND family operated business with over 25 years of experience in the insurance industry. We offer the highest level of customer service and personal attention every one of our clients deserves. Call today for a fast free rate quote. Direct line for home insurance (786) 532-0685