Check the Health of Your Homeowners Insurance

When was the last time you reviewed your homeowners insurance?

For your financial well-being, it is important to make sure that costly coverage gaps have not developed since you purchased your homeowners policy. Here are some tips on how to keep your insurance up-to-date:

  • Be familiar with your homeowners policy. Read your policy’s provisions, limits, and exclusions, and contact your insurance representative with any questions.
  • Have your home appraised regularly. Be sure to get a regular appraisal of your home’s value so you can adjust your insurance coverage for rising construction costs, and home improvements.

What Is Identity Theft?

Check community building codes. Sometimes, a damaged home cannot be reconstructed exactly as it was without violating current building codes. Knowing about these potential expenses in advance can give you time to obtain extra insurance protection, if necessary.

Take a home inventory. You can estimate how much insurance you need by documenting your possessions, both on video and on paper.

Evaluate your liability exposure. A personal umbrella policy with coverage limits high enough to help protect you from the risk of a large liability claim may be a worthwhile consideration.


A periodic review of your homeowners insurance is a simple measure that may spare you the financial challenges of being underinsured.