Why it matters
An insurance policy is a contract, and the details decide what happens when something goes wrong. The trouble is that almost no one reads it until they’re filing a claim — the one moment when it’s too late to change anything. Spending a few minutes while everything is calm is one of the highest-value, lowest- effort things you can do for your household.
Start with the declarations page
The “dec page” is the one-page summary at the front: your coverage amounts, deductibles, and the basics of who and what is covered. It’s the fastest way to orient yourself before diving deeper.
Five things worth checking
- Dwelling coverage — is it enough to rebuild, given today’s construction costs?
- Deductibles — including any separate deductibles that apply to specific perils.
- Replacement cost vs. actual cash value — for both your home and your belongings.
- Liability limit — does it still match the assets you’re protecting?
- Exclusions and endorsements — what’s carved out, and what’s been added.
Life changes that should trigger a review
A renovation or addition, a valuable new purchase, starting a business at home, a change in who lives with you, or simply rising rebuild costs — any of these can leave yesterday’s coverage out of step with today’s reality. A quick annual look keeps things aligned.
If you’d like a second set of eyes
We’re glad to review a policy with you — including one you bought elsewhere — explain what it covers, and flag any gaps, with no obligation and no instant quote.
Already a client? Request a policy review →
Common questions
What parts of my homeowners policy should I actually check?
A few that matter most: your dwelling coverage (is it enough to rebuild?), your deductibles (including any separate ones for specific perils), your liability limit, and the exclusions and endorsements that define what is and isn't covered. The declarations page is a good one-page summary to start with.
What is the difference between replacement cost and actual cash value?
Replacement cost pays to repair or replace without subtracting for age and wear; actual cash value subtracts depreciation, so it can pay less for an older item. Which one applies — to your home and to your belongings — meaningfully affects what you would receive after a loss.
How often should I review my coverage?
A yearly check is a reasonable habit, and any major life change is a good trigger: a renovation, a new high-value purchase, a home-based business, a marriage, or rising rebuild costs. Coverage that fit a few years ago may not fit today.
Can you review a policy I bought somewhere else?
Yes. We can walk through your current policy, explain what it does and does not cover, and point out gaps — with no obligation and no instant quote. You decide what, if anything, to change.
Related: Homeowners insurance & your mortgage · Home, condo & umbrella