Many homeowners have made upgrades in the last 18 months, from bringing in a furry friend to remodeling a kitchen or adding outdoor features like a swimming pool or trampoline. These changes make your home more enjoyable, but they can also impact your home insurance. If you’ve recently made any of the following upgrades, it’s important to contact your insurance agent to ensure your coverage is up-to-date!
1. Kitchen or Bathroom Renovations
Whether you’ve remodeled your kitchen, bathroom, or any other major living spaces, it’s essential to notify your insurance agent. Renovations often increase the value of your home, and if you don’t update your policy, you may not have sufficient coverage in case of a claim. Make sure your home insurance reflects the new value of your home after the improvements.
2. Detached Structures
If you’ve added a detached structure like a garage, shed, or workshop to your property, this could significantly impact your home insurance policy. Don’t forget to inform your agent so we can update your coverage accordingly. A detached structure may not be covered by your current policy if it’s not reported, leaving you vulnerable in case of a claim.
3. Swimming Pool Safety
Swimming pools can increase your liability risks, so it’s crucial to ensure you have the right safety measures in place. Insurance companies typically require a fence around your pool, usually at least 4 feet high. Make sure the pool area is safe with proper barriers, gates, and flotation devices. Also, regularly inspect pool equipment such as diving boards and slides to avoid accidents.
4. Trampolines and Insurance Coverage
Planning to add a trampoline to your yard? Before you make the purchase, review your home insurance policy. Many insurers have specific coverage restrictions for trampolines, and some may not cover them at all. Always check with your agent to ensure your trampoline will be covered and ask about any additional precautions you should take.
5. Adding a Dog to Your Family
Pets, especially dogs, can have an impact on your home insurance policy. Some dog breeds are considered higher risk by insurance carriers, which could affect your premiums or even your eligibility for coverage. Breeds such as Pit Bulls, Rottweilers, and German Shepherds may be excluded by certain insurers. Always notify your agent if you’ve added a dog, as failing to do so could leave you unprotected in the event of an incident.
Contact G&G Independent Insurance Today!
Have you made any upgrades or changes to your home life? Whether it’s a renovation, a new pet, or adding outdoor features, it’s essential to make sure your home insurance policy is properly adjusted to reflect these changes. Contact us at G&G Independent Insurance today to review your policy and ensure you’re fully covered. We’re here to help you protect what matters most!
