Your home insurance is something that doesn’t stay the same forever. Different things can happen in your life that may change the requirements you have for coverage—having an insurance agent who knows you and who you trust can make all the difference. Pregill Insurance Agency Inc. in Susanville, CA has a team of experienced agents who are dedicated to providing the finest service and to offering you choices.
When to review your home insurance policy
Once a year when your home insurance policy renews, you will receive a copy of your policy. It gives you all the information about your policy and exactly what it covers. The front page is the declaration page and if you only read one page of your policy, this is the one to read.
Make sure that all the figures on it make sense. While you may not know exactly what it would cost to rebuild your home if it were destroyed, you likely have a good idea. Make sure that if you have done major repairs or upgrades you have let your insurance agent know so that the figure on your policy reflects your current value.
You have choices when it comes to your content coverage as well. Do you want to replace everything at its current value which will include depreciation, or do you want to cover the cost of replacing it at today’s prices?
Check the amount of your liability coverage and make sure that it is enough to protect your assets, especially if you have anything that may be considered high-risk, such as a dog, a swimming pool, or a trampoline.
You may also want to check any riders you may have to enhance your coverage, things like a jewelry rider or sewer backup coverage.
Contact Pregill Insurance Agency Inc. in Susanville, CA if you have questions about home insurance.