06/01/2026
June is National Homeownership Month, which makes now a good time to ask an important question: Does your homeowners insurance still match the home you have today? Many homeowners set their policy once and rarely revisit it, but when updates are made or coverage needs change, coverage can quickly become outdated, leading to costly surprises at claim time.
Here are a few common homeowners insurance mistakes to avoid.
đ Unreported renovations - Kitchen upgrades, finished basements, or added structures such as sheds or garages can increase replacement costs, but current coverage may not reflect recent upgrades.
đ No home inventory - Without photos, receipts, or a basic list of belongings, it can be harder to document losses and support a claim.
đ Missing endorsements - Endorsements (also referred to as riders) can increase limits for high-value items or add coverage for things like sewer backup or equipment breakdown. If youâve added valuable items or your needs have changed, adding an endorsement can help ensure that your home remains fully covered.
A policy review now can help catch small issues before they become bigger problems during a claim. Contact our office, and we can help you review your homeowners policy and ensure your coverage reflects your home, belongings, and current needs.
