If you are like a lot of homeowners, you might not think about your homeowner's insurance policy too much. Although you might think about it when you have to pay your premiums, there is a good chance that you don't talk to your insurance agent too often. This can be a bad thing, however, because there are some instances in which it is important to talk to your homeowner's insurance provider. These are a few signs that it might be a good idea to call your homeowner's insurance agency.
1. You're Expecting a Big Storm
If you are expecting a big storm, such as if you live in an area that is susceptible to hurricane damage and know that a big tropical storm or hurricane is heading toward your area, it's smart to call your homeowner's insurance company. Then, you can make sure that you have all of the coverage that you need; for example, many policies do not include flood insurance, and you might want to add it before a big storm hits. You can also make sure that your homeowner's insurance company does not need anything from you, such as an updated inventory list for the items in your home.
2. You Have Made Major Changes to Your Property
If you have made any major changes to your property, such as if you have installed a swimming pool, then you need to tell your insurance company about it. If you have ever answered that your property did not have a swimming pool on it, then installed one without telling your homeowner's insurance agent, then you could be held responsible for any damages related to it. On the other hand, positive changes -- such as installing a fence around your property -- could help you snag lower rates as well.
3. You're Experiencing a Big Life Change
If you are going through a big life change, such as if you are retiring or if you are planning on having a baby, then you should talk to your insurance agent. Then, your agent can determine if you qualify for any added discounts and can also ensure that you have the coverage that you will need as you are going through these changes.
Your homeowner's insurance agent is there to help you. Therefore, you shouldn't be afraid to call him or her during certain situations. In fact, it is imperative to talk to your agent at times, such as if you are going through any of these three things.