Your home is one of your most important assets. You may not think about it often, but when something happens and you need to claim your homeowner’s insurance, you’ll be glad you have it. So how do you know when it’s time to upgrade your policy? Here are four signs that it might be time for an upgrade.

1. You’ve Made Significant Renovations to Your Home

If you’ve made significant renovations to your home, it may be time to upgrade your insurance policy. These changes can affect both the value of your home and the amount of coverage you need. For example, if you’ve added an addition or finished a basement, your home’s value has likely gone up, which means you’ll need more coverage.

2. You Have Not Reviewed Your Policy in a While

Homeowners’ insurance policies are not one-size-fits-all. As your life changes, your coverage should change with it. If you’ve had the same policy for a few years and haven’t reviewed it recently, it’s a good idea. Your needs may have changed, and you may be able to get a better rate by shopping around.

3. You Bought a Dog

If you’ve recently added a furry friend to your family, you may need to upgrade your home insurance policy. Some policies exclude coverage for dog bites, so it’s important to check with your insurer to see if you’re covered.

4. You Have Installed a Security System

Having a security system can help deter burglars and protect your home. It can also help you get a discount on your homeowner’s insurance. If you’ve recently installed a security system, let your insurer know so they can apply the discount to your policy.

Get Home Insurance in San Francisco, CA

Your home is one of your most important assets, so it’s important to have the right insurance coverage. If you’re unsure if your policy is up to date, contact Biddle-Shaw Insurance Services Inc. We’ll be happy to review your policy and ensure you have the coverage you need.