Why It May Be a Good Time to Update Your Home Insurance

Many times, people get home insurance when they first move into a home and forget about it. However, it may be a good time to update your insurance, especially as we get into the winter months in Cypress, TX. It’s important to review your policy when you make changes to your home and your lifestyle, and if you aren’t making a lot of changes, at least review it once a year. If it’s been a while since you reviewed and have made these changes, take out your policy and contact an agent at InsureUS to make sure you are adequately covered.

Home Remodeling: Major remodeling can increase the value of your home, which would mean that you need more coverage.

Big Ticket Items: If you have big-ticket items, such as artwork, electronics, or jewelry, they may not be covered under your insurance. You want to make sure you have enough insurance to cover those items should anything happen.

You Have Stopped Smoking: Smoking can raise your premiums because the chance of a fire is greater. If you have stopped smoking, you may be able to get a break on insurance premiums.

You Have Retired: Retirement might come with an insurance discount because retirees spend more time at home and can spot the signs of a fire more quickly. Retirees also are less likely to be burglarized and can spend more time maintaining their homes.

You Have Installed an Alarm System: An alarm can make it less likely a thief will break in, which may lower your premium.

You Have a New Pet: It’s not good to keep your pet a secret, even if you are worried that your rates may go up, because you want to make sure you are covered if your dog bites someone on the property.

You Have Added a Swimming Pool: A swimming pool can increase your liability risk, so it’s necessary to make sure that you are covered and maybe add some additional insurance.

Contact InsureUS, serving Cypress, TX, to get a quote on homeowners insurance.