What to Review in Your Home Insurance at Renewal - Temecula Insurance Agency - Carver for Auto, Home, Life & Health

What to Review in Your Home Insurance at Renewal

What to Review in Your Home Insurance at RenewalHome insurance policies need to be reviewed at the time of renewal, but what is it that you need to review when that time comes?

Home insurance can be a rather confusing policy. Policies are normally customized to fit the exact needs of the homeowner, so coverage varies widely. If you have never read your homeowners insurance policy from cover to cover, it is highly recommended that you do so in order to ascertain for what you are covered. Otherwise, an unpleasant surprise may await you when you file a claim and have it be denied. Homeowners insurance is a renewable policy, but you should always review your policy before you renew. Here are a few tips that can help you get the right coverage the next time you review your homeowners insurance policy. Liability  This is an absolute must because you never know when an accident to someone else will occur on your property. Liability needs to be reviewed if you purchased something the insurance world calls an attractive nuisance. Things like pools, trampolines, tree houses, dogs are all things that increase your liability risk. Content Homeowners insurance typically offers 50 to 70 percent of your home's value to replace the contents of your home. Things like furniture, electronics, clothing, artwork, and more can be replaced by a policy. The best way to determine the amount of things you once had, is to create a home inventory list of all your possessions with receipts and pictures. If you renovated your home or purchased expensive items, (like a new kitchen, roof, bathroom, et cetera) you need to review your policy to make sure you are covered for all of your needs.  Contact the insurance professionals at Carver Insurance Services, Inc. for all of your home insurance needs in Murrieta, surrounding areas, and California!

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