Assuming All Policies Cover the Same Things
The Mistake: Many think homeowners insurance is one-size-fits-all—but policies vary widely.
The Risk: You could be missing coverage for floods, earthquakes, personal liability, or certain types of property damage.
Underinsuring Your Home
The Mistake: Homeowners often only insure their home’s market value, rather than its rebuild cost.
The Risk: If disaster strikes, you might not have enough coverage to fully rebuild your home.
Overlooking Liability Coverage
The Mistake: Many homeowners focus only on property protection and forget liability coverage.
The Risk: If someone is injured on your property, you could be personally sued for medical bills and damages.
Not Reviewing Your Policy Regularly
The Mistake: People buy insurance and forget about it—until something happens.
The Risk: You could be missing key updates like new coverage options, rate changes, or policy lapses.
The Fix: Review your policy annually to ensure it still fits your needs—especially after major life events like home renovations, buying land, or starting a business.
Choosing Price Over Protection
The Mistake: Many people shop for insurance based only on price, not on what they actually need.
The Risk: The cheapest policy often means higher deductibles, fewer benefits, and major coverage gaps.
Protect Your Home The Right Way
Home insurance should give you peace of mind, not headaches. Avoid these mistakes by working with a trusted agency that understands your needs, like us!
