• hornbuckle950

Is Your Home Ready For The New Year?

Updated: Jan 11



Before you finish your new year’s resolution list, have you considered including what would be best for your home this year? January is always a good time to reevaluate your assets and properly plan for the year ahead. It also comes at a time when many have received high-value items, and need to assure they are protected right away.



Here are some steps we recommend you take at the beginning of this new year to give you peace of mind.




Reach out to your insurance agency. When was the last time you spoke with your insurance agency? This is something you should do at least once a year, and setting it up for the beginning of the year is the most beneficial. During this check-in, you will be sure that everything you own is protected in case something unexpected happens like a fire, theft, or a significant weather event. You may also potentially reduce your insurance costs should you be eligible for discounts, or require less coverage than you did previously. It may also be an opportune time to consider your satisfaction with your current insurance agency. Are you pleased with them? Have they offered everything that was promised to you?


Take inventory of your valuables. Photos, videos, and appraisals can be extremely helpful in the case of any loss. Many have received gifts of value over the recent holidays. This may be a great time to have them valued and take a photo and video of them. We also suggest that you take a video of your home, both inside and out. Think of it as a video diary of your assets that may come in handy one day.


Understand your policy. Perhaps the most crucial item on your list of resolutions is to understand the coverage you are probably paying a lot of money for. We hate to be the bearer of bad news when something unfortunate happens to your home or valuables and you discover you didn’t buy the right coverage. Ask your questions to ensure that the home insurance you are purchasing protects you when disaster strikes.


To give you a better idea, standard home insurance should cover the follow claims:

  • Plumbing Leaks

  • Hurricane & Strom

  • Theft & Vandalism

  • Water Damage

  • Roof Leaks

  • Fire

  • Mold


Consider flood insurance. We know we know, another bill to pay. But standard home insurance does not cover flooding. And, for those of you that live in flood zones, you understand the powerful damage a flood can have to your property. Not to mention the damage it will cause to your bank account in the event of a major disaster. We are just suggesting that you consider it.


Have any questions on insurance claims, or need help with a claim? Give us a call today for your FREE claim review 305-363-2400.




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