When was the last time you took at good look at homeowners insurance Gulf Shores AL? If the answer is that you can’t remember, that’s reason enough to go over the policy terms and benefits right this minute. As you evaluate the scope of coverage, don’t forget how things have changed since you first secured the plan. Here are some changes that would indicate you need to upgrade the current plan.
Those Renovations and Improvements
Over the last couple of years, you’ve modernized the kitchen, added another bathroom, and converted the attic into a guest suite. All those changes mean that your present coverage may not be adequate any longer. The best bet is to sit down with someone who understands homeowners insurance Gulf Shores AL and help you decide what it would take to rebuild if a covered event destroyed the structure. If you don’t have enough coverage now, you definitely want to upgrade.
The Increase in Personal Property
It’s not just the improvements you’ve made to the home that make more coverage a good idea. There’s also the matter of personal property like jewelry, artwork, and other possessions that make a difference. What would it cost to replace those if they were damaged or lost during a covered event? Make sure the provisions in your homeowner’s insurance Gulf Shores AL related to personal property are enough. If not, it’s time to make a change.
That New Security System
Sometimes it’s not about adding coverage because of improvements or more expensive personal property. Perhaps you qualify for some type of discount off the present rate. That could be the case if you’ve invested in a new home security system since you took out the policy. Depending on the additional features that come with your new system, the insurance premiums could be noticeably lower each year. The only way to know for sure is to check.
Since you need to make some changes to your coverage anyway, why not see what the team at Coastal Alabama Insurance and Financial Services and do for you? Drop by and talk with a professional or visit our website today. In no time at all, we can look over your coverage, discuss plan options with you, and make sure your property is adequately protected.