Do you look over your homeowners declarations each year at renewal? If you are guilty of looking at the premium and setting it aside, you’re not alone. Lots of folks forget or get caught up with something else and do not review their policy at review but trust me, it’s something you want to take time to do.

If you’re anything like my family, life moves quickly, and things are changing constantly. Maybe your kids moved out or moved back in. Maybe you updated a bathroom, or last summer you extended the deck.

Did you get engaged? Start a business? Put in a pool? All these things may not be covered under your home policy until you add on a special coverage or at least increase the coverage you already have. It’s not just about making sure that you are properly protected, it can also be about getting the best rate. If you recently got a new roof, fixed something that was hazardous, or installed a protective device you could be eligible for a discount, and who doesn’t love discounts?!

So next time you see yet another envelope coming from your insurance company, take a few minutes to think back on the last year to note of any changes that have happened and then give your agent a call to review…who knows you may save yourself a few bucks and that’s always worth your time!