Fall is the Perfect Time for an Insurance Check-Up

Whether we like it or not, soon the leaves will start falling and the temperatures will drop.
While you’re preparing your home for the winter months it’s also a good time to do a checkup on your Homeowner’s Insurance.
Winter can pose a threat to your home if there's too much snow on your roof or if ice dams form. Spring, on the other hand brings a whole new set of threats like hail, wind, tornadoes, and flooding. Think you're covered for all these situations? What about sewer or septic tank backup? Don't wait until the damage has been done to find out. Check with your agent now.
With the rising cost of building materials, check to make sure you’re insured for the total amount it would cost to rebuild your home if it were destroyed. That's not the market value, but the cost to rebuild. If you don't have sufficient insurance, your company may only pay a portion of the cost of replacing or repairing damaged items. Understanding what is and isn't covered in your homeowner’s insurance policy can mean the difference of being able to rebuild your home and replace your personal belongings.

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