Why should I review my home insurance annually?
The next time you need to renew your insurance policies, 考虑采取这些步骤,以确保您了解您的pp王者电子官网范围.
Most often, people purchase a homeowners insurance or renters insurance policy when they first move out and into their new home. 许多人不太关注之后的政策. Over time, as they make renovations, purchase new items or replace existing appliances, 他们不进行家庭pp王者电子官网审查,以确保他们得到适当的覆盖. 不幸的是,这可能导致它们的覆盖范围存在差距.
Tips for a successful home insurance review
The next time you need to renew your insurance policies, 考虑采取这些步骤来帮助你最大限度地利用它们.
- Create a home inventory - A home inventory 你家里有房产的清单吗,你买的日期和你买它的目的. 当你选择合适的pp王者电子官网范围时,这份清单可以用来和你的代理人讨论你的需求.
- Meet with your agent - Your insurance needs change over time. Conducting a home insurance review with your agent 每年至少一次可以帮助你确定你的政策是否仍然对你目前的情况有意义. During this meeting:
- Ask about discounts - 在你更新你的保单之前,和你的代理人谈谈可能有的折扣. You may qualify for discounts for alarm systems, multiline or higher deductibles.
- Ask to review your auto policy - If you 将你的房屋pp王者电子官网或租房pp王者电子官网与汽车pp王者电子官网结合起来 为了获得折扣,你也可以考虑查看你的汽车pp王者电子官网. 询问他们你可能有资格享受的安全驾驶折扣.
- Review home renovations -如果你在家里添置或更新了任何房间, 一定要和你的代理人谈谈,以确保你的pp王者电子官网反映了这些变化.
- Talk about any landscaping changes - Any new sprinkler systems, sheds, 游泳池或甚至一个新的骑割草机可能需要改变你的政策.
- Share any changes in the appliances - Like home renovations, 更新你的炉子或空调可以增加你的房子的价值.
- 确认你的房子已经投保了估计重建费用的pp王者电子官网 - State Farm®建议您选择至少等于预估金额100%的保单金额 replacement cost of your home, but the choice is yours. 您还应该确保任何重置成本估算反映了您房屋的实际特征. 为你的房子投保至少100%的估计重置成本——而不是当前的市场价值——可以让你在损失的情况下完全重置你的房子.
Insurance review reminders
Make sure you remember to:
- Share any significant life changes. Getting married, having a baby, 开始一个新的家庭生意,甚至离婚可能会引发你的财产的变化,这是值得讨论的,以解决正确的覆盖新的需求. 你的代理可以告诉你额外的pp王者电子官网范围 jewelry and fire arms or additional coverage for business property.
- 询问有关当前pp王者电子官网范围、限制和排除的问题. 你可以通过询问你目前的pp王者电子官网范围和了解pp王者电子官网的限制和例外情况来获得最好的结果 homeowners policy. 当你知道哪些是pp王者电子官网范围,哪些不是时,你就可以更好地为损失做好准备.
有关房屋pp王者电子官网审查和您的政策的更多信息,请联系a State Farm agent.