Maximize Your Homeowners Insurance: 5 Reasons to Meet Your Agent Annually

5 Reasons Homeowners Should Meet Their Insurance Agent Annually 

Homeowners should meet with their insurance providers regularly to stay informed and make the best decisions about protecting their property. As a preferred repair contractor for State Farm and Allstate, we’ve seen firsthand how valuable these meetings can be. Here are 5 key reasons why homeowners should consider meeting with their insurance provider at least once per year.

1. Stay Knowledgeable About Your Policy 
As a homeowner, property damage is rarely something you anticipate. Understanding what your insurance plan covers helps you know what to expect if damage occurs.  Homeowners who are familiar with their coverage and the claims process can respond quickly and take immediate action to prevent further damage.  

2. Account for Life Changes 
Life changes can all influence the type of insurance coverage you need. Some life changes include moving into a new home, a change in employment status, marriage or divorce, the birth or adoption of a child, or even transitioning to working remotely.

3. Take Advantage of Discounts and Deductible Options
Meeting with your insurance provider can help determine your goals and payment options available. Homeowners often have some flexibility when it comes to premiums, costs, and deductibles. Options may include standard deductibles, percentage-based deductibles, minimum deductibles, or even specialty policies. Regular check-ins ensure homeowners are aware of potential discounts, deductible adjustments, and coverage options. 

4. Ensure Appropriate Coverage
As a homeowner, it is important to stay in regular communication with your insurance provider to confirm proper coverage is applied. Many factors can influence the amount of coverage a homeowner needs. A few variables that affect your policy include the size and type of home you live in, the amount of coverage you are comfortable with, how long you’ve lived in the home, your history of insurance claims, your credit score, and more. As a homeowner, reviewing these variables with an insurance provider helps you select a policy that’s best suited to your situation.   

5. It’s FREE! 
Meeting with your insurance agent once a year costs nothing and helps you get the most out of your policy. These free check-ins keep you informed about your policy, update your agent on any life changes, ensure your coverage fits your needs, and may even uncover discounts or savings opportunities. Since you’re already investing in protecting your home, it’s worth scheduling a meeting with your insurance agent!