Stop to think about how much money your home, your property, and everything inside the home in Murray, Riverton, Salt Lake City, Sandy, West Valley City, UT, and the surrounding areas is worth if you had to replace it today. That is a lot of money and most people will not have the financial resources to replace it. This is why home insurance is so important, and our team at IMSC Insurance Offices can help you to get the right home insurance. But the home on your property isn’t the only thing to make sure is covered, as you may have a detached garage, a shed with tools and equipment, fencing, or other structures that should also be included. It is a good idea to have an inventory sheet where you list the most expensive items in your home and their value, and to update this on a regular basis. Contact us today to learn more about how to ensure you get the most from your home insurance.
Don’t Make These Mistakes with Your Home Insurance
Getting home insurance is good and proper, but there are mistakes that some homeowners make with their insurance. A surprisingly common one is to underinsure your home and contents. Home values have move up rapidly in the last several years, and if something were to happen to your home and you need to replace it, unless you’ve been increasing your coverage, your insurance payout will fall far short of where you expect it to.
It is important that you understand what is and is not covered with your home insurance. Most home insurance does not cover flooding, nor do they cover earthquakes, but there are separate policies that you can get that address these things. Because you are working with an independent insurance agency you will automatically have multiple quotes from insurance companies, but plenty of home owners don’t take the time to solicit these multiple quotes.
Annual Reviews Help to Keep Policies Up to Date
A year can be a long time, and a lot can happen in just a single year. You could get married, buy and sell a home, buy a new car, and even more. All of these changes need to be reviewed against things like your home insurance to make sure that you still have the right coverage levels for everything. At the same time, you don’t want to be paying for something that you no longer have. Scheduling an annual home insurance review will keep these things from becoming a surprise later when you need to use your home insurance.
Be sure to discuss your special heirloom items, antiques, and other specialty items with your insurance agent in Murray, Riverton, Salt Lake City, Sandy, West Valley City, UT, and the surrounding areas. We can make sure that they are covered with your home insurance. At IMSC Insurance Offices, we put our clients first each and every day. Contact us today to learn more about how to get the best home insurance for your needs.
