Know When to Update Your Home Insurance

Home Insurance White Plains NYKeep on top of your home insurance in White Plains, NY.

When it comes to taking care of your home, there is a lot to remember. While you may be focused on the leaking pipes, drafty windows or worn carpets, be sure to give your home insurance a review.

If you do not update your policy regularly, you could miss out on some substantial discounts and overlook glaring coverage gaps. The policy protects your home and finances when you need it the most!

Below are four situations in which reviewing and updating your home insurance policy is imperative!

  1. Buying a Home
    Coverage for your new home is a must-have. Make sure that you are insuring the home for the value you want, such as the home’s estimated reconstruction cost rather than its current market value. If you are renting, be sure to receive renters If you a moving to a disaster-prone location, ensure that you have earthquake insurance and flood insurance policies.
  2. Remodeling Your Home
    Whether you’re re-doing the kitchen, adding a new deck, or simply adding double-paned windows, if the home renovations increase your home’s value, then your home’s rebuilding cost is increased. This expense should be reflected on your home insurance policy.
  3. Buying Valuables
    When purchasing anything of great value, such as an expensive TV or a pricy necklace, give your insurance agent a call. Home insurance policies protects valuables against a covered loss or theft, usually only up to a certain limit.
  4. Made Life Changes
    Certain life events can change your risk of accidents or damage. For example, if you have recently retired or quit smoking you may be offered ways to save money on your current rate.

Many homeowners tend to forget about their policy coverage, assuming that it will cover the property whatever the circumstance. However, neglecting the policy could lead to coverage gaps and unexpected out-of-pocket costs. Talk to an insurance agent at Scavone Insurance Agency Center LLC for your White Plains, New York home insurance that suits your needs, home, and budget!

COVID-19 Update:

Due to the ongoing COVID-19 outbreak, our office is working with limited staff. We are requesting people to come in ONLY IF NECESSARY! We have all the resources to continue servicing your Insurance needs. Should you need to contact us, please call the office first!! 914-428-7111. You can also reach us by email [email protected], or fax 914-428-7764.
You are more than just our Policyholders; you are our friends and “Insurance family”! We hope you stay safe and we will get through this together!! COVID-19 Info