Home insurance helps protect you from expensive repair or replacement costs when a covered event occurs, but do you have enough coverage? Repairing or replacing damaged property can add up quickly, so it’s important to update your home insurance policy regularly.
At Birmingham Insurance Agency LLC, servicing Birmingham, AL, we help homeowners like you ensure they have enough home insurance coverage to protect their homes.
1. Work With Your Insurance Agent to Get Your Initial Policy
Your insurance agent at Birmingham Insurance Agency LLC will help you choose a policy that provides adequate coverage for your property. Your insurance agent will know questions to ask and provide resources to help you choose a policy that meets your needs.
2. Update Your Insurance Coverage Annually
Once you’ve got insurance, it’s important to review your policy annually to ensure that you have adequate coverage to repair or replace your property if a covered event occurs. During the review of your policy, you’ll want to consider how much material prices and labor costs have changed and whether you’ve made significant improvements to your property since you took out your policy.
3. Contact Your Insurance Agent When You Make Changes At Home
When you add to your home or perform a significant upgrade, contact your agent with Birmingham Insurance Agency LLC, servicing Birmingham, AL. Some enhancements can reduce the cost of your home insurance by keeping your home safer, so it’s essential to get credit for the work you’ve done! If you’ve added on to your space, you may need more coverage to ensure that your home insurance policy will be adequate if it’s needed.
