Many people don’t think a lot about their home insurance. They purchase it when they buy their house and, unless the rate takes an unexpected jump, never think about it again. A good insurance agent will review your home insurance for you and look for better rates and coverage, but they need a little help from the homeowner to let them know when things happen that they don’t know about. In Bourbonnais, IL, we are the George Ryan Jr. Insurance Group Inc. is committed to providing our customers with endless options.
When your home insurance renews, that is the perfect time to review your policy. Your declaration page gives all the information you need to consider.
- Do you have enough coverage on your home?
- Do you need to reconsider the amount of liability coverage you have?
- Is your content coverage right for what you own?
- Do you need to add any endorsements to your policy?
- Have you added safety features?
Have you made any major renovations to your home? Ones that might significantly increase the value of your home, such as an addition or adding a bathroom. Talk to your agent about these additions.
Have you added a dog to your family? A swimming pool or a trampoline? Do you entertain a lot? Has your personal wealth increased significantly? You should reconsider your liability insurance and perhaps consider getting an umbrella policy.
What content coverage do you have; replacement or actual value? You may want to rethink that.
Have you added any expensive items to your jewelry? Have you purchased antiques or art? Have some expensive electronics. Talk to your independent agent to make sure your coverage is adequate to protect the things that you own.
If you have added a home security system or smoke detectors connected to the fire department, let your agent know.
Contact George Ryan Jr. Insurance Group Inc in Bourbonnais, IL for all your home insurance needs.