Homeowners Insurance: A Continuous Journey, Not a One-Time Event

A prevalent misconception among Des Moines, IA homeowners is that securing an insurance policy for their property is a one-off task. This misbelief couldn’t be further from the truth. If it has been years since your last review of your insurance policy, reaching out to the agents at Max Insurance LLC is advisable. We’re on hand to provide the expert advice you need to make the best decisions about your policy.

Perform Annual Reviews of Your Coverage

Annual insurance reviews aren’t just for health insurance. It’s imperative to periodically examine your homeowner’s policy to ensure it aligns with your current needs. Items like new jewelry or expensive valuables may necessitate the addition of riders. Therefore, reviewing your policy a few weeks before its renewal date can be an opportune time to assess whether you are garnering the best value for your money.

What Should Be Examined During an Insurance Review?

When scrutinizing your policy, catalog your purchases over the past year to identify any that may need supplemental coverage. Home renovations such as an addition will require extra dwelling coverage. Newly installed smart home security devices could qualify you for discounts, thereby saving you money. On the flip side, new swimming pools and recreational equipment may elevate risk, prompting the need for additional liability coverage. Other circumstances warranting policy review include a change in marital status or the commencement of a home business.

Let Max Insurance LLC, serving Des Moines, IA, recommend suitable coverage to secure your home thoroughly. Contact us today to commence a comprehensive consultation on your homeowner’s insurance needs.