Many homeowners purchase home insurance when they first buy their home, then tuck the policy away and forget about it. However, it’s essential to regularly review your policy to ensure it remains up to date. Your insurance representative at Mitten Heritage Fraternal Society of Insurance in Berville, MI, can assist with this. Consider if you’ve experienced any of the following life changes, or similar ones:
Adding a Pet to Your Household
Bringing a pet into your home is an exciting event, but it also introduces new responsibilities. Certain breeds may affect your liability coverage. It’s essential to ensure your policy covers potential dog-related incidents, especially if your pet is new to the home.
Home Renovations
If you’ve renovated your basement, added a deck, or updated your kitchen, it’s time to inform your insurer. These improvements alter the value and features of your home and may not be covered unless your policy is updated to reflect them.
Starting a Home-Based Business
Operating a small business or side hustle from your home—whether it’s baking, consulting, or crafts—may require additional protection. Standard home insurance may not cover business-related equipment or liability.
Installation of New Features
Adding a new wood-burning stove, swimming pool, or even a backyard trampoline changes your home’s risk profile. These features should be reported to ensure proper liability and property protection.
Lifestyle Changes
If you’ve recently welcomed a child, had a family member move in, or are caring for an elderly parent, it’s wise to review your coverage. More people in the home can mean greater responsibility and different protection needs.
In Michigan, with its mix of rural, suburban, and urban living, your home situation can change rapidly. Regularly reviewing your policy with Mitten Heritage Fraternal Society of Insurance in Berville, MI, whenever these life changes occur ensures your coverage accurately reflects your current lifestyle.
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