When should you review your home insurance policy?

There is no place like home, home is where the heart is, and home sweet home are all ways to express just how important your home is to you and your family. Protecting the investment you have made is vital to your financial security. Home insurance is not the same for everyone. Making sure that the coverage you have fits your home and your situation. At Focus Insurance in Eureka, MO, we have more than 20 years of experience providing our clients with personal service and more choices.

When you get your renewal notice for your home insurance, you will have a declaration page with it. On the declaration page is all the information about your policy. The amount of property coverage you have, the amount of liability coverage, your deductible, and any endorsement that you have. It also shows any discounts that you get. You should review this page very carefully every year and think about what you need to change or keep the same. 

If you have made any major repairs to your home, you should review your home insurance to make sure that the amount of coverage you have reflects the current value of your home. If you have replaced your roof, you should let your insurance agent know so that they can see about finding a better rate for you. 

Have you added a dog to your family? A swimming pool or a trampoline? You should consider if your liability coverage is adequate for the increased risk. 

Have you added any safety equipment? A home security system or smoke detectors connected to the fire department? Make sure your agent is aware of these additions. Is your deductible right for you? These are all things that you should consider as part of your renewal. 

Contact Focus Insurance in Eureka, MO for all of your home insurance needs.