Spring is all about fresh starts—tidying up, deep cleaning, and tackling overdue projects. And just like your home, your coverage needs a little upkeep too. A quick “spring cleaning” of your policy can help you save money, stay protected, and avoid surprises down the road.
1. Dust Off Your Policy Documents
When was the last time you actually read your home insurance policy? If you had to think about it, it’s probably been too long. Take a few minutes to review your coverage, especially:
- Dwelling coverage – Does your coverage amount reflect the current cost to rebuild your home? Rising construction costs could mean you’re underinsured.
- Personal property coverage – Have you bought new furniture, electronics, or valuables? Make sure your policy covers them.
- Liability coverage – Accidents happen. Ensure your policy provides enough liability protection in case someone gets injured on your property.
2. Declutter Your Discounts
Who doesn’t love saving money? Many homeowners qualify for discounts but don’t realize it. Check with your insurer to see if you’re eligible for savings, like:
- Home security system discount – If you’ve installed a monitored alarm system, you might get a break on your premium.
- Bundle discount – Combining home and auto insurance? That could mean extra savings.
- New roof discount – Replaced your roof recently? Some insurers offer lower rates for newer, more durable roofing materials.
A quick call to your insurance agent could help you uncover hidden savings!
3. Freshen Up Your Inventory
Imagine trying to list everything you own after a disaster. Not fun, right? That’s why keeping an up-to-date home inventory is key:
- Take photos or videos of each room.
- Log serial numbers and receipts for big-ticket items.
- Use an app to digitally store your inventory.
If you ever need to file a claim, having this information handy can speed up the process and ensure you get the right payout.
Swyfft Tip: HouseBook is a great option for quick easy home inventory tracking.
4. Check for Gaps in Coverage
Spring brings unpredictable weather—think floods, tornadoes, and hailstorms. Are you covered for these risks?
- Flood insurance – Standard home insurance doesn’t cover flooding. If you’re in a flood-prone area, consider adding a policy.
- Wind/hail coverage – Some policies have high deductibles for wind or hail damage. A Wind Deductible Buyback policy might help reduce out-of-pocket costs.
- Sewer backup coverage – Heavy spring rains can lead to sewer backups, which may not be covered by a basic policy. Check with your agent to add protection.
5. Update Your Contacts and Beneficiaries
Life changes—marriages, new family members, etc. If your policy includes named beneficiaries or additional insureds, make sure they’re up to date.
Also, make sure the contact information your insurer has on file is correct. You don’t want to miss out on important policy updates or renewal notices!
6. Schedule an Insurance Checkup
If it’s really been a while since you reviewed your policy with an agent, now’s the perfect time. A quick conversation can help you:
- Ensure you have the right coverage
- Make sure you aren’t underinsured
- Identify new discounts
- Adjust your policy for any life changes
Spring cleaning isn’t just for your home—it’s for your peace of mind. Taking a little time now to review your policy can save you money, prevent headaches, and ensure you’re fully protected for the year ahead.