Home insurance is not a one-and-done kind of insurance. As you change and your lifestyle changes, your home insurance needs to grow and change with you. At Brent Davis Insurance in Allen, TX, we make sure that we get to know our clients so that we can better access their insurance needs. No one wants to pay for insurance they don’t need or do not have the insurance they need.
When it is time for your policy renewal, your carrier will send you a new copy of your policy. Don’t just toss it in the garbage or into a drawer, You actually need to look at it. The front page is called the declaration page. This is a synopsis of your coverage. You can look at it rather quickly and see exactly how much you are paying and what you are paying for. Do you have enough property coverage? Is the content coverage the kind you want? Do you have any endorsement? What is your deductible? What credit are you getting? Once you have looked these all over, you can talk to your insurance agent about anything that needs to be changed.
This is the obvious time to review your policy, but if you have made any major changes to your home, you need to make sure your insurance company knows and evaluates your house. Have you added a dog, trampoline, or pool to your home? You may need more liability coverage. Have you replaced your roof? Added a home security system or wired smoke detectors? You may be eligible for a lower premium. It is up to you to let your insurance agent know when there are changes in your home and in your life.
Contact Brent Davis Insurance in Allen, TX to talk about how we can help you to make sure you have the right home coverage.