When Was the Last Time You Reviewed Your Homeowners Insurance Policy?
Your home is likely your most valuable asset yet many homeowners haven’t reviewed their insurance policy since they bought their house. A lot can change in a year, and those changes could leave you underinsured, overpaying, or both.
That’s why an annual homeowners insurance review is one of the smartest things you can do to protect your investment.
Why an Annual Homeowners Insurance Policy Review Matters
Homeowners insurance isn’t a “set it and forget it” product. As your life changes, so do your insurance needs. Here are just a few reasons to revisit your policy:
- Home Improvements: Did you renovate your kitchen, add a deck, finish your basement, or install a pool? Upgrades like these can increase the replacement value of your home and may require more coverage.
- Increased Personal Belongings: If you’ve made big purchases—such as electronics, appliances, jewelry, or art—your current policy might not fully cover those items without additional endorsements.
- Rising Replacement Costs: Inflation and increased labor and material costs can drive up what it would cost to rebuild your home. Your current coverage may not reflect those rising expenses.
- New Risks: Changes in your neighborhood, new pets, or starting a home-based business can all impact your risk profile and insurance needs.
- Available Discounts: Have you installed a security system, upgraded your roof, or bundled other policies? You may be eligible for discounts you’re not taking advantage of.
Work With a Broker Who Works for You
According to Lisa Goth, Owner of Charles Leach & Cassidy Insurance, “Doing an annual review with an independent insurance broker means we can compare coverage across multiple carriers to find the best policy for your needs and budget.” Whether it’s adjusting coverage limits, adding endorsements, or simply making sure you’re getting the best value Charles Leach and Cassidy Insurance are here to help.
It Only Takes a Few Minutes
An annual insurance review is quick, simple, and can save you from major financial headaches in the future. It’s also a great time to ask questions, understand your policy better, and make informed decisions about your coverage.
Ready for Your Annual Review?
Let’s make sure your policy still fits your life. Contact us Charles Leach and Cassidy Insurance to schedule your annual homeowners insurance check-up. We’ll review your coverage, look for savings, and ensure you’re properly protected no matter what the next year brings.