Don’t Forget About Flood Coverage – Standard homeowners policies do not cover damage caused by floods. Even if you don’t live in a designated flood zone, unexpected flooding can still occur. Adding a flood policy can help ensure you’re not left with costly out-of-pocket expenses.

Protect Beyond the Basics with Umbrella Coverage – Lawsuits and liability claims can exceed the limits of your home or auto insurance. An umbrella policy provides extra protection, giving you peace of mind that you’re covered against large, unexpected claims.

Ask yourself: If my insurance company issued a check for the coverage amount listed on my policy, would it be enough to rebuild my home and protect everything I’ve worked for?

The cost of construction materials and labor fluctuates over time, which could impact whether your current coverage is sufficient to rebuild your home in the event of a loss. Reviewing your home insurance policy periodically is essential to ensure it keeps pace with today’s costs and risks.

Check Local Construction Costs – Consider current construction values in your area to determine if your coverage is adequate to fully rebuild your home if necessary.

Review and Update When Needed – If you find that your coverage limits are too low, or if you’d like to add umbrella or flood protection, we’re here to help explore your options. However, we cannot make changes to your policy without your express consent.

Take an Active Role in Your Coverage – Your policy is designed to protect you, but it’s your responsibility to ensure it reflects your needs. Contact us to discuss your options and make updates if necessary.

Keep your home—and everything you value—protected with the right coverage. Reach out to us today for a policy review!

The information provided on this webpage is for general informational purposes only and should not be construed as legal, financial, or insurance advice. Coverage needs and policy terms vary based on individual circumstances, and it is the policyholder’s responsibility to ensure their coverage meets their specific needs. We encourage you to consult with a us to review your policy and discuss any necessary updates. Changes to your policy cannot be made without your explicit authorization. This webpage does not create a client-agent relationship, and no guarantees are made regarding the adequacy of your insurance coverage based solely on the information provided here. Always refer to your policy documents for specific coverage details and terms.