10 Things Every Home Owner Should Do At Least Once A Year!

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As most people, your home is probably your biggest investment, and the smart thing to do is making sure your investment is well protected.
Below are the important things to annually to make sure your homeowners insurance is up to date, accurate and you are not paying for more than you have to.​

1. Review you homeowners insurance policy before every renewal.
2. Contact your agent to update your policy before every major upgrade to your house.
3. Take inventory of your personal property. One of best ways to do it is to film everything is your house and email the video to yourself just incase the device you are filiming with is destroyed/stolen or lost.
4. Contact your agent to update your policy if you are planning to get a pet, increase your liability coverage. Certain dog breeds may not be covered under your homeowners policy.
5. Consider getting an umbrella policy.
6. Go over what is covered and what is NOT covered by your policy and make changes accordingly.
7. Shop other insurance companies before each renewal. Insurance rates fluctuate evey year and it is best to have an agency you can trust and has access to most insurance companies.
8. Consider bundling at least your auto and home policies, the discount can make a significant drop in premium.
9. Consider obtaining a mortgage protection policy, also known as life insurance. In the event that you are not around, your spouse and kids won't have to leave the house and maybe move to a bad neighborhood because they can't afford the mortgage.
10. Consider Earthquake insurance. If you live in California, earthquake insurance is just as important as your homeowners insurance. And if you already have earthquake insurance make sure your review annualy as well.

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