Spring may be the time for rebirth, but it’s summertime when so much around you comes alive, making the change in season the best time to take stock of the home insurance you have.
Summer is when your focus can turn from what’s happening inside your home to what’s going on outside, too. Taking the time to review your homeowner’s insurance policy as summer shifts into a higher gear of activities can help you safeguard your home and possessions during the coming months.
3 Reasons to Review Your Home Insurance
The change of season from spring to summer also ushers in some increased risks. Looking over your home insurance policy can go a long way toward safeguarding your family and keeping those risks from ruining you financially.
Here are three reasons to review your home insurance before summer arrives.
1. Preparing for Risks From Increased Summer Activities
From storms to outdoor activities, your risks of property damage and potential accidents climb in summer.
Summer can often bring severe weather, such as strong winds, thunderstorms, and hail that can damage your home. Reviewing your policy can help you see whether you have adequate coverage for hail and wind and whether you need additional coverage.
Time outdoors can also increase risks of accidents near or in the pool, on swing sets or trampolines, or during a cookout. You can review your policy to check that you have sufficient liability coverage.
2. Adjusting Coverage for Home Improvements
Summer is the time to get outdoors, but some homeowners also decide to tackle indoor renovations or add on to the outside of the house or property with a pool, deck, or room.
These projects can increase the value of your home. You may need to adjust your home insurance so that you have the right coverage limits for damage to your property. You can also check during a review to see if your liability limits are adequate for your new additions.
3. Covering Your Home(s) While on Vacation
Many Americans tend to travel farther and longer during the summer. If you plan on driving, flying, or cruising away from home during the summer, check your home insurance to understand the coverage for your residence and possessions while you’re away.
Returning to vandalism or a burglary can sting, but not as much as not having the appropriate coverage for your home.
You may also have a vacation home with secondary home insurance. Consider reviewing that homeowner’s insurance policy for differences from your primary residence, and consider additional insurance for homes if you plan to rent your vacation home.
Talk to Warrior Insurance & Services Group About Insurance for Homes
As summer approaches, review your home insurance to see that you have your home and possessions safeguarded with the right coverage and limits. Warrior Insurance & Services Group, an independent insurance agency, can deliver customized insurance for homes. Contact us for a quote today.
