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How often should I review my homeowners insurance policy?


There are many life changes that may trigger you to update your homeowners insurance policy. For example, if you have made any renovations/improvements to your home you should update your dwelling coverage. If you have installed a swimming pool or trampoline you may want to increase your liability coverage. Also, if you purchase any items of high-value, you should check your policy limits for that item and schedule an endorsement to make sure you are covered in the event of a loss.

Even if there have been no considerable changes to your home or personal belongings, you may want to reevaluate your policy every 6-12 months. Sometimes a discount may become available (for example if you have a burglar alarm) that can help bring down the cost of your homeowners insurance. Or, you may want to update your deductibles based on any changes to your household income. Your homeowners insurance agent can help you review your policy and suggest any changes that you may need to make.

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About this content: The content included on this webpage in no way guarantees coverage for any type of insurance policy or policyholder. This is to be used as a general guide for insurance information and any specific coverage questions should be presented to your insurance agent.