Review Your Insurance Policies

With a clear understanding of your home’s condition and contents, it’s time to review your insurance. Start by examining your homeowner’s insurance coverage, paying attention to the limits, deductibles, and exclusions outlined in the policy.

For those living in a seismic area, note that standard homeowners’ policies do not cover damage from an earthquake. It is also important to know that FEMA assistance is intended to supplement, not replace, insurance coverage. Homeowners are encouraged to have insurance policies that cover earthquake damage and to understand the specific terms and conditions of their policy.

Consider updates:

• Have you made any recent renovations or upgrades that warrant adjustments to your coverage limits?
• Have you purchased any valuable jewelry or artwork that may necessitate updates to your coverage?
• Are there other types of insurance that you should consider having to fill any gaps in your coverage, such as earthquake insurance or an umbrella policy?

If you have any questions or concerns about your insurance coverage, don’t hesitate to reach out to your insurance agent for guidance. They can offer expert advice tailored to your specific needs and help you understand any complex terms or provisions in your policy. Consider scheduling an annual insurance review to stay informed about changes in coverage options and ensure you’re adequately protected against unforeseen risks.

Take Preventative Measures

In addition to reviewing your insurance policies, take proactive steps to mitigate risks and prevent potential losses. Install smoke detectors and carbon monoxide detectors, update security systems, and implement measures to protect against water damage and burglary. Retrofit your home to mitigate earthquake damage. Regular maintenance tasks such as cleaning gutters, trimming trees, and inspecting roofing can help prevent costly repairs down the line.

So, roll up your sleeves, dust off those insurance policies, and embark on a journey to a cleaner, safer, and more secure home this spring.

Considering an Earthquake policy? GeoVera is the premier stand-alone provider of residential earthquake insurance.  GeoVera has decades of experience managing claims for nature’s worst catastrophes and a financial rating of “A” (Excellent) by A.M. Best Company. We hope you’ll never need our help, but we’re ready if you do. Ask your insurance agent for a quote today.

The first thing is first, what is homeowners insurance? Homeowners insurance is property insurance designed to cover the house you live in plus all that makes up your home.

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