How to get The Best out of Your Home Insurance Policy

An upsurge in construction costs has been the story in 2021. Do you know what that means? If a disaster, like a fire, consumes your home, your pocket will take a deep hit if you don’t have the right home insurance coverage. Luckily, Friant Insurance Agency in Temecula, CA is here to give you tips to get the best out of your home insurance to ensure that you are well-covered when the worst happens.

Review your home insurance policy frequently

Many homeowners make the mistake of renewing their home insurance without updating it with their current needs. The problem with this is that you will be covered insufficiently when disaster strikes. To harness the power of your home insurance, update the policy when:

• You undertake significant renovations
• Construction costs increase
• You bring a new pet that can cause harm
• You add a swimming pool or trampoline

Updating your home insurance ensures you pay the right premium and that you won’t encounter surprises when filing a claim.

Consider floaters or endorsements

Do you know your home insurance doesn’t cover you against all risks? Yes, typical home insurance doesn’t cover you against flood damage, sewer backups, and earthquakes. Thankfully, you can purchase “riders” or “endorsements” to boost the power of your home insurance.

Know how much stuff you have

If you forget what you own, how will your insurer compensate you? It’s a common mistake for homeowners to fail to keep an updated list of things they own. Walk room to room, and make a list of everything you own. A home inventory hastens the claim process and ensures you are compensated for what you possess.

Learn more about home insurance in Temecula, CA

Want to know how to get the most out of your home insurance? Please get in touch with Friant Insurance Agency, and one of our agents will attend to your home insurance queries.