By Joey Ahern

5 Important Questions Homeowners Should Ask About Insurance

Have you made any substantial changes or renovations to your home? Think about things like:

  • - Adding an addition
  • - Renovating a kitchen or bathroom
  • - Adding a swimming pool or jacuzzi
  • - Adding or expanding a deck or patio
  • - Finishing a basement or attic
  • - Purchasing new appliances

Have you updated any structural or operating systems? Think about things like:

  • - Replacing a furnace or hot water heater
  • - Replacing an air conditioning unit
  • - Rewiring or updating electrical systems
  • - Updating or replacing plumbing fixtures
  • - Replacing the roof
  • - Replacing worn doors or windows
  • - Adding a sump pump or equipment to prevent water backups
  • - Updating your siding

Do you have or have you added any specialized personal property? Think about:

  • - Jewelry items with significant value
  • - Collectibles
  • - Antiques
  • - Silver or coins
  • - Sporting equipment
  • - Artwork
  • - Musical instruments

Does the weather in your area warrant checking into specialized disaster coverage? Think about:

  • - Flood insurance
  • - Earthquake insurance
  • - Event coverage
  • - Coverage for weddings

Do you have enough liability coverage? Think about these recommendations:

  • - How much are you covered in personal liability?
  • - How much are you covered in medical payments?
  • - How much do you have in personal umbrella coverage?