10 changes your home insurance company needs to know about


When it comes to homeowners insurance, there are times you need to let your insurance company know about changes as they can affect your insurance rates or could mean you should consider adjusting your coverage limits or adding additional coverage. So what are the top ten things you should talk to your homeowner’s insurance agent about?

1.     Putting in an in-ground or above-ground pool (liability coverage)
While they are great for those hot summer days, pools can pose liability issues, so you want to make sure you are covered in case of an accident.

2.     Building a shed or other outbuilding (increase coverage)
Adding new buildings in the backyard or anywhere else on your property may mean you need to increase your coverage limits and make sure those other buildings are covered.

3.     Purchasing a trampoline (liability coverage)
Like pools, trampolines can be great fun, but they are also a significant cause of visits to the ER, so ensuring you have the appropriate liability coverage is critical.

4.     Significant home improvements (increase coverage)
Making substantial home improvements may mean you need to increase your coverage limits to cover the new additions to your home if disaster strikes.

5.     A child going off to coverage (increase coverage)
Did you know your homeowners’ insurance can be extended to cover your child’s belongings in a college dorm? A great reason to give the insurance company an update on your family situation.

6.     Home additions (increase coverage)

If you add on to your existing home, you will almost certainly need to increase your coverage limits to cover your home’s new addition.


7.     Installing a Home Security System (potential discounts)

If you add a security system to your home, you may qualify for a discount on your home insurance premium.

8.     Gated Community (potential discounts)
If you moved into a gated community, make sure you let your insurance agent know, as you may qualify for a security discount.

9.     You are starting a home business (increase coverage)
If you start a home-based business, you’ll most likely need extra coverage to ensure everything has the proper protection.

10.  You buy an expensive piece of jewelry (increase coverage)
If you buy an engagement ring or any other expensive jewelry, you may want to add a rider to cover it specifically.

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