When is the last time you’ve looked at your home insurance policy? While there’s no need to constantly update it, there are a few instances when it’s necessary. Here are five times that call for making changes to your homeowner’s insurance.

When to Update Your Home Insurance Policy

1. You’ve Renovated

If you’ve recently renovated or remodeled your home, you should let your insurance agency know. This is especially important if you’ve made an addition to your house or added a structure such as a garage or shed. After all, you want the improvements you’ve made to be covered.

2. You’ve Purchased an Expensive Item

Your homeowner’s insurance policy covers your contents in the event they are destroyed or damaged by a covered peril like fire or theft. However, big tickets items may need to be listed on your policy separately to be fully covered. If you’ve recently purchased an expensive item such as a diamond ring or rare piece of art, contact your insurance agent so that they can add it to your policy.

3. You’ve Gotten a New Dog

Bodily harm caused by pets is normally covered under the liability section of your homeowner’s insurance. However, certain breeds of dogs are considered to be a higher liability risk. If you’ve gotten a dog or other breed of animal that’s considered high risk you may have to pay a higher premium or that animal may not be covered at all.

You should contact your insurance agency before getting an animal that’s considered to be a high liability risk to find out if they will still insure you.

4. You Think You Need More Coverage

It’s wise to review your policy each year to ensure that the coverages you have are enough to financially protect you. If you are confused as to whether you have the right amount of insurance, your agent can help you decide.

5. You’ve Added an Alarm System

If you’ve added an alarm system to your home, contact your insurance company. Adding an alarm system may save you money on your homeowner’s insurance policy.

If you’re looking for personalized homeowner’s insurance at affordable rates, contact the agents at A.W. Adams, Insurance, LLC. Located in Clayton, GA, the team at A.W. Adams Insurance can help you find the policy that fits your needs and budget. They have been in business for over 50 years and are committed to offering you nothing but the best when it comes to customer service. Visit their website to learn more or contact them at (706) 782-5100  to get your free home insurance quote today.