🏡 Why You Should Always Keep Your Home Insurance Policy Updated

As a homeowner, it’s easy to assume that once your insurance policy is in place, you’re covered. But life doesn’t stand still—and neither should your coverage. Whether you just remodeled the kitchen, replaced your roof, or added a security system, these changes could impact your home insurance in major ways.

🔨 Renovated Recently? Your Policy May Be Out of Date
Home improvements can raise the rebuild cost of your home—but unless your insurance reflects those changes, you might not be fully covered in the event of a claim. As your agent we can rerun a replacement cost estimator to make sure the dwelling coverage on your policy still provides at least 100% replacement cost.

For example:

A kitchen or bathroom renovation could significantly increase your home’s rebuild cost. Along with an addition or adding solar panels or some other special feature.  

A new roof might qualify you for a premium discount. It could also affect the build cost if you decided to use a different material then what was on the home before. For example, replacing a asphault shingle with a metal roof. 

Adding a security system could reduce your risk and lower your rate. It normally not a huge discount but the extra security will also deter crime or an insurance claim.

If your agent doesn’t know about these upgrades, your policy won’t be updated to protect them. 

💎 Got Something Valuable? Let’s Talk Coverage
Have you purchased jewelry, electronics, or collectibles recently? Most home insurance policies have coverage limits on high-value items. Without notifying your agent, you could be underinsured. 

We have a solution: schedule these items separately so they’re fully protected—no surprises if something is stolen or damaged. We typically will need an apraisal or receipt for the item to get them scheduled. 

🐶 New Pet? Renting Out a Room? Tell Us.
Even changes like adopting a dog, renting out a room, or working from home can affect your liability exposure. Each of these factors could require an adjustment to your policy—or a new kind of coverage altogether.

✅ The Benefits of Keeping Your Policy Current
Keeping your home insurance updated isn’t just about protection—it can also help you:

Save money through new discounts

Avoid claim denials caused by outdated info

Get peace of mind knowing your home, valuables, and lifestyle are properly covered

📲 Let’s Review Your Coverage
At Griffin-Lantz Insurance, we’re here to help your coverage grow with your life. Whether you’ve made big changes or just want a quick review, we’ll make sure your policy fits your needs today—not last year.

Contact us today to schedule your home insurance review.
You might be more protected (and more eligible for discounts) than you think.

By: Garrett Griffin