Advanced Steps for Home Insurance Renewal

At each renewal period, take time to assess changes in your coverage needs:

1. Update Your Home Inventory: Add any new high-value items or remove items you no longer own.
2. Adjust for Renovations or Additions: If you’ve done major upgrades or added structures like a new garage or pool, ensure they’re covered.
3. Check for Changes in Local Risks: If your area has become more flood-prone or experienced new environmental risks, adjust your policy accordingly.
4. Review Deductible Options: If your financial situation has changed, consider adjusting your deductible to better balance premium savings and out-of-pocket risk.