Make sure you go through and annual review of your home owner's insurance. I also like to get three other quotes at the same time to make sure that I'm getting a competitive price for my insurance. Here are some circumstances that may affect the cost of your insurance.
Review your homeowner's insurance
Over the past year did you inherit anything of value that should be ensured. Most home owner policies have limits on what's covered so you may need to add a rider for the additional items.
The main cost of your home owner's insurance is the cost to replace your house should you suffer a catastrophic loss. Make sure that new addition is covered.
An additional liability umbrella policy can be added to your homeowners to help you cover liability on other real estate, cars, boats, etc. Get the added coverage you might need.
Sometimes building codes change and are updated to help fortify houses for natural disasters. Think about what you should do to bring you house up to code.
Most home owner policy's don't cover flood insurance. Depending on where you live, you may want to consider a flood insurance, hurricane insurance or tornado insurance.
Make sure you adjust you insurance for any downsizing in your life.
Best to talk with an insurance agent to make sure you are adequately insured based on your current circumstances.
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