My Homeowners insurance policy is renewing, what should I do?

Here are some simple steps that you can follow in order to help ensure that your Homeowners policy is up to date. If any of these conditions apply, contact Thomas to discuss.

1) Have there been any changes to the property since the last policy renewal (e.g. renovations or additions)?

2) Have there been any changes to the property's occupancy status (e.g. converted to an investment property)?

3) Are there any changes to the policy that you would like to consider (e.g. changing the deductible)?

4) Are there any premium credits/discounts that you may be interested in pursuing (e.g. multi-policy)?

5) Have you purchased any valuable items that may require itemized coverage (e.g. jewelry, artwork, collectibles)?

6) "Earthquake" and "Flood" damage are not covered by most Homeowners policies - would you like to consider incorporating coverage for either of these "causes of loss"?