---
title: When Should I Review My Home Insurance Coverage?
---

# When Should I Review My Home Insurance Coverage?

From the Pacific View Insurance Agency Blog

## When Should I Review My Home Insurance Coverage?

- Posted on Tuesday, April 18, 2023

Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.

But when is it time to review your coverages? Should you evaluate your coverage monthly, yearly, or somewhere in between?

### The most important times to review coverage

Let’s talk about events that should prompt you to review your home insurance coverage.

1. **You’ve received a shiny new gift or bought something expensive** : To eliminate the risk of not being covered if someone were to steal personal belongings, it’s important to review your home insurance coverage when you are keeping something expensive in the home.

2. **You’ve added square footage to your home** : Many insurance companies base your coverage off of the square footage of your home. That means that if you add a new sunroom to your existing structure, it’s important to report it to your agent.

3. **You got married** : If you’re going to be adding another person to your home, they’ll likely bring all of their belongings with them. That means that the value of items in your home will increase — in which case, you’ll need to contact your agent to increase your coverage.

4. **You’re starting a business out of your home** : If you run a business out of your home, it’s important to report this to your insurance agency.

5. **Policy renewal is coming up** : When your policy is set to renew, it’s a great time to review it.

### Are you shopping for home insurance?

If you’re looking to purchase insurance for a new home, or simply looking for a change in policies, contact us to learn about your options! We’re an independent agency and we offer some of the best prices for home insurance in the area.

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