Owning a home is one of the best ways to build wealth—and more importantly, it gives your family a place to grow, create memories, and feel secure. But to truly protect your investment, it’s essential to keep your home insurance policy up to date.
Here are three important situations when you should contact your insurance agent for a home insurance review.
1. You’ve Renovated or Remodeled Your Home
Updated your kitchen? Added hardwood floors or a new outdoor space? Renovations that increase your home’s value also raise its replacement cost, so you must update your insurance to reflect those changes.
Even seemingly small upgrades like a bathroom remodel or finishing a basement can impact your coverage needs. Your agent can use a replacement cost estimator to make sure your policy accurately protects your home in case of a total loss.
Pro tip: Always notify your agent after a remodel to ensure your policy reflects your home’s current value.
2. You Changed Mortgage Companies
If you’ve refinanced or switched lenders, don’t forget to notify your insurance agent. Most mortgage companies pay your home insurance through escrow. If your insurer isn’t updated with your new lender’s info, it could result in missed payments or a lapse in coverage—which can have serious financial consequences.
A quick phone call or email to your agent ensures your insurance billing is updated and your coverage remains uninterrupted.
3. Your Premium Feels Too High—or Too Low
Has your home insurance premium increased significantly? Or maybe you haven’t reviewed your policy in years?
It might be time to compare rates and coverages. As an independent insurance agency, we work with many top-rated carriers and can help you evaluate whether you’re still getting the best value for your coverage.
We’ll provide a side-by-side comparison of pricing, deductibles, and coverage options—so you know exactly what you’re getting and why it matters.
Don’t Wait Until It’s Too Late
A quick home insurance review can give you peace of mind and ensure your largest investment is fully protected. It takes just a few minutes—but can save you thousands in the event of a claim.
Get a Free Home Insurance Review Today
Whether you’ve updated your home, changed lenders, or just want to make sure your coverage still fits your life, G&G Independent Insurance is here to help.
Contact us today for a no-obligation policy review or quote comparison. Our licensed insurance agents will walk you through your options and make sure you’re protected with the right coverage at the right price.
Protect your home. Protect your future. Let’s get started.
