Home insurance is not a one-and-done kind of thing. Your life changes, and with it your home insurance needs. Keeping the conversation open with your independent insurance agent will allow your home insurance to grow along with you.

At Goshen Group Inc. in Glen Carbon, IL, our 40 years of experience make us uniquely qualified to navigate the complex world of insurance today. 

When should you review your home insurance policy?

When your policy renews

The ideal time to review your home insurance coverage is when your policy renews. Whether you get a print copy or a digital copy of your policy, the first page is the declaration page. This is a summary of your coverage. You get all the figures you need to consider in one place. 

Things to check

Take a look at your property coverage. Does it make sense with what you know about costs in your neighborhood? Keep in mind this is the amount it would cost to repair or rebuild your home, not what it would cost to buy it with the land included.  

Is the type of content coverage you have right for you? 

The dollar amount is predetermined by your property coverage, but there are two options for coverage. Do you want to have replacement cost or current value? 

Do you have enough liability coverage?

Is your liability coverage adequate considering that your personal wealth may have increased since you first purchased this coverage? This is a very important part of your home insurance. 

Do you need a jewelry rider?

Jewelry coverage has a limit. If you have more than just a very basic amount of jewelry, you will not have enough to get your jewelry replaced. An engagement ring of one carat will be worth more than the average coverage.

Get Home Insurance Today

Contact Goshen Group Inc in Glen Carbon, IL with your home insurance questions and needs.