Home insurance is something that needs to change as you and your home change. It needs to be reviewed to make sure that it is meeting your current needs. At Mitten Heritage Fraternal Society of Insurance in Berville, MI we have been providing personalized service to our customers since 2012.
When your policy is renewed
Most home insurance policies are reviewed yearly. When you get your policy, whether it is a paper copy or a digital copy, you should read the Declaration Page. This gives you all the details of your coverage. You will see the amount of property coverage you have, coverage for additional structures, content coverage, and liability coverage. Any additional coverage and discounts you are eligible for will also be listed. You should study it diligently to determine if it makes sense to you.
When you make major renovations
If you have increased the square footage of your home with an addition or by finishing your basement or attic, it can increase the value of your home. If you do bathroom and kitchen upgrades, this can also increase the value of your home. Be sure to let your insurance agent know if any of these things apply to you.
When your need for liability coverage increases
If you have added a pool to your home or gotten a trampoline for your children, your liability has increased. If you have added a dog to your home, this also increases your liability.
When you install safety equipment
If you have added a home security system to your home this can make you eligible for a discount. This also applies to other safety equipment like smoke detectors.
We Are Here To Help
Contact Mitten Heritage Fraternal Society of Insurance in Berville, MI when you need an independent insurance agency to help you with your home insurance needs.