Set it and forget it. We all like getting things done that don’t require much thought or effort, don’t we? Is homeowner’s insurance one of those things? Can’t we just deal with it once and forget about it until we need it?
Though it’s tempting to think this is the case, it’s not. Every homeowner should periodically review their policy to ensure they have enough coverage. Your agent should be informed every time your property undergoes a major change or remodel.
What might these changes include?
Changes you should let your agent know about may include exterior additions such as a shed, trampoline, pool, screen enclosure, or diving board. You should also let your agent know about any structural additions such as a new roof, windows, or doors. Please also let us know about any updates to kitchens or baths. If you are underinsured at the time of catastrophe, you may not have enough coverage.
Here in Florida, please also let your agent know if you have a new dog. Most homeowners policies do not include animal liability. (However, it is usually available by adding additional coverage to your policy.)
As always, please give us a call to make sure your “done once” policy is enough to cover you now.