The key to staying protected in a disaster is to obtain enough home insurance coverage.
At least once a year, it’s a good idea to review your homeowners’ insurance policy. After all, your life can dramatically change within 12 months. When your lifestyle and home change, your policy must change, too. No matter what type of home insurance you have, there are many ways to adjust your coverage, whether you need to add to your policy to cover your recently acquired family heirlooms, or to buy coverage to guard against flood damage.
Check Your Contents Coverage
Replacement cost policies usually don’t include the same level of coverage for contents. Instead, the reimbursement amount for furniture, clothing and other possessions is typically based on a percentage of the replacement value for the entire house. The best way to know if your belongings are protected is to conduct a home inventory. Record and note all your belongings, totaling up the cost. From here, you’ll be able to understand if you need more protection in your policy.
Home Upgrades, Policy Updates
Additions and interior renovations, such as a new kitchen, remodeled bathroom, or finished basement could push your home past its current insured value. Some improvements may also come with unexpected insurance costs, such as building a pool or adopting a dog. For these events, an umbrella liability insurance policy may be necessary.
Ask the Experts
You don’t have to go at it alone. The team at Young Insurance is here to help you secure your desired coverage in Glendale and beyond in California! Talk to us today about how to find the right homeowners insurance for your needs, home, and budget.