Reviewing Your Homeowner Insurance Policy

The Dwelling Coverage amount on your homeowner insurance policy should always be enough to cover the replacement of your home after a total loss, but should not exceed that amount. If the dwelling coverage amount is higher than the replacement cost of your home then you are ‘over-insured’ and paying higher premiums for more coverage than you need. It is extremely important to annually review your homeowners insurance policy with your insurance agent to make sure that you are neither over nor under-insured. Things that can affect the value of your home are the economy as it relates to cost of building materials and market values, as well as any changes to your home such as home additions, kitchen modifications, adding deck space or porches. If you make any structural or cosmetic improvements then you should notify your homeowner’s insurance agent to make sure that the dwelling amount on your homeowner insurance policy reflects the new replacement value amount of your home.

Obtain a Free Home Insurance Quote > 3 Options

• Simply call 866-946-QUOTE (866-946-7868) and one of our home insurance specialists will be able to provide you with a free home insurance quote.
• Complete our online quote form and one of our licensed home owner insurance agents will contact you to discuss homeowner insurance policy options.