Life never stays the same. Your home evolves, your family grows, or your daily routine takes a new turn. With these changes, your home insurance might need some attention, just like your house occasionally needs a fresh coat of paint. If you haven’t reviewed your policy through Great Michigan Insurance, serving Marshall, MI, in a while, here are a few life events when it’s smart to give it a second look.
1. You’ve Made Major Improvements
While putting up new curtains or reorganizing the pantry doesn’t require an insurance update, significant upgrades like adding an outdoor living space or remodeling your kitchen do. These changes can increase the value of your home, so it’s important to call your agent and review your coverage.
2. Your Lifestyle Has Changed
Lost weight or dyed your hair? No need to notify your insurance agent. However, if you’ve started working from home, brought expensive equipment into your house, or launched a small side business out of your garage, your risk profile has changed. These lifestyle shifts may require adjustments to your policy.
3. You’ve Purchased High-Value Items
Did you finally splurge on a grand piano or invest in a collection of high-end tools for your garage? Standard policies may not fully cover high-value items. You may need to increase your coverage limits or add special protection to ensure you’re not left without coverage after a theft or fire.
4. Your Family Has Grown
Getting married, having children, or welcoming an elderly parent into your home can all impact your insurance needs. Having more people under your roof often means more liability risks and belongings to protect, making it essential to review your coverage.
Life moves quickly, and insurance doesn’t automatically keep pace. A quick check-in with your local agent at Great Michigan Insurance, serving Marshall, MI, ensures your policy evolves with your needs, keeping you protected every step of the way.
