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Most types of insurance are not fixed at one amount. They are designed to be flexible and to grow and change as your needs grow and change. Home insurance is no exception. It needs to be reviewed. How often will depend on a few different things? When you feel the need to review your home insurance, Giles & Iten Insurance in Surprise, AZ will be there to help you. For insurance with a personal touch, we are exactly what you need. We strive to match our customers with the right policy at the best price.
When you get your home insurance renewal it comes with a declaration page. Start your review there. Look at the amount of coverage. Does it make sense? Especially look at your liability coverage. Would it cover any potential legal action against you? Check out the deductible and all the other numbers. Before you renew your policy, discuss all the figures with your local independent insurance agent. Let them know if anything has changed since you took out the policy.
If you have made a major upgrade to your property, the replacement value may have significantly increased. Things like a new kitchen, adding a bathroom, finishing the basement or attic, or adding an extension will all affect the replacement value of your home.
Have you added any expensive content? Received an expensive piece of jewelry or art? Purchased antiques or oriental rugs? Any of these may exceed the content coverage you currently have.
Have you added any safety equipment to your home? A home security system, smoke detectors, or carbon monoxide detectors? Have you replaced your roof? You may be eligible for a discount if you have done one or more of these things.
When you are ready to review your home policy give Giles & Iten Insurance in Surprise, AZ a call. We will be happy to look things over for you.
