Homeowners Insurance Checklist

21.4.25

If you haven’t reviewed your homeowners insurance policy recently, you could be overpaying — or worse, underinsured. I learned this the hard way after a burst pipe caused $12K in damage and my coverage wasn’t what I expected. Here’s the checklist I wish I had before that happened.

Homeowner reviewing insurance checklist at kitchen table

Compare Homeowners Insurance Policies

1. Understand What’s Actually Covered

Every homeowners insurance policy is different. Some cover water damage, some don’t. Some include personal property, others cap it. Don’t assume — check line by line.

2. Know Your Deductible

Your homeowners insurance deductible affects what you’ll pay in a claim. A higher deductible usually lowers your premium — but make sure you can cover it if needed.

3. Update Coverage Amounts

Have you renovated or added value to your home recently? Your coverage should match the current replacement cost — not what you paid 10 years ago.

Find the Right Policy for Your Home

4. Check for Discounts

Many people miss out on homeowners insurance discounts for things like smoke detectors, bundling with auto, or a new roof. Ask what you qualify for.

5. Compare Rates Every Year

The market shifts, and your needs do too. Use a trusted site to compare homeowners insurance yearly. It’s one of the easiest ways to save money and boost your protection.

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Labels: Homeowners Insurance, Policy Review, Home Insurance Tips, Insurance Deductible, Policygenius

Search Description: Use this homeowners insurance checklist to make sure your policy has you fully covered — and not overpaying.

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