3 Habits of a Smart Homeowner

Whether you built your own home orsmart home howners bought a fixer upper, home ownership can be a big responsibility. From a leaky faucet to a leaking roof, you’re in charge of making sure that repairs are made as needed. Home insurance can help you protect your home and other assets in unforeseen circumstances.

When was the last time you talked to your agent about your home insurance policy? What do you need to be doing to make sure that your assets are protected? In this post, we’ll take a look at three smart things that you can do as a homeowner to take care of your home.

1. Review Your Policy Annually

Have long has it been since you reviewed your homeowners insurance policy? Do you know your deductible amounts? What is covered by your insurance? Is your coverage level still appropriate, or have your circumstances changed over the past year? What should you do if you need to make a claim?

Taking the time to review your insurance policy annually is a smart way to make sure that your home has the right amount of coverage.

2. Save Electronic Copies of Documents and Photos

Although an insurance policy can help you rebuild your life after an unforeseen situation, it cannot restore things that go up in flames or get damaged by water damage from a severe storm. Prepare for the unexpected by taking precautions. Save electronic copies of important documents and photos in a safe and secure location. In today’s tech-driven world, there are many cloud-based services that offer secure hosting of your important memories. (Just be sure to select a vendor that values your privacy.)

3. Ask Your Agent to Review Your Policy

Are you eligible for a discount? Has your insurance agent started writing for a new company? Is there a better deal available for you?

It’s smart to schedule time annually to talk with your insurance agent about your policy. You can find out if you qualify for new discounts or policy bundles. Your agent can shop around on your behalf as needed. Be sure to provide updated information about any life changes that may affect your insurance coverage.

We’re Happy to Help!

Are you searching for homeowners insurance in the greater Evansville area? The independent insurance agents at Kincaid can help you evaluate your home and assets to find the homeowners coverage you need.

Kincaid Insurance has been providing insurance solutions in the Tri-State area for the past two decades. You’ll find our office headquarters in Rockport, Indiana. Feel free to come by our office or call us toll free at 1-877-888-5506.

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