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August Vincent Insurance Agency

11013 N Woodstock St #692
Huntley, IL 60142

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Illinois Insurance Blog

How often should I review my home insurance

Peace of mind is what home insurance is designed for.  Many things can happen that can damage your home and knowing you are covered for many of them is important. Things change in your life and around your home, and you may need to review the coverage you have. At August Vincent Insurance Agency in Huntley, IL As independent agents, we can provide our clients with more choices which means better options and prices

When your home insurance renews, you will get a new copy of your coverage and on the front of it will be the declaration page. This page is the key to knowing what coverage you have.  When it arrives in your home, you should look it over and see if everything makes sense to you. If your premium has dramatically increased you may want to compare the figures to the previous year and see what has caused the increase. Your deductible is listed and also any riders you may have. 

If you have made any significant changes to your home, it is a good idea to discuss them with your agent. Certain upgrades may affect your policy. If you replace your roof, you may get a better rate. If you added a security system or any other safety equipment, it may also affect the rating of your policy which can affect your premium. 

If you have things like a pool, a trampoline, or a dog, you may want to look at the amount of liability coverage you have. It might be a good time to raise your limit.  All of these items are risky and raise the possibility of getting sued. you should review your home policy at least yearly. 

If you have home insurance needs, August Vincent Insurance Agency in Huntley, IL is here to offer you friendly and knowledgeable service. You can come into the office or give us a call.  

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