If you’re like most people, it’s probably been a while since you checked your homeowners insurance. It may not be exciting, but making sure your policy still properly protects your home is important.  

Here are five key areas our partners at Long & Foster Insurance suggest reviewing. 

Replacement Cost. Is your home insured for enough? With rising construction and renovation costs, it’s crucial to be sure your coverage keeps up. 

Deductibles. Do you know your out-of-pocket cost if you file a claim? Your deductible may be a flat fee or a percentage, and it can change over time. Plus, some policies have separate, higher deductibles for weather-related damage like wind or hail. 

Water and Sewer Endorsements. Standard homeowners policies usually exclude water damage from sewer or drain backups, but you can add endorsements for this risk, especially important for homes with basements. Also, flood zone maps change, so check your flood risk and if you need separate flood insurance.  

Discounts. In addition to traditional discounts for security or fire alarms, carriers may offer savings for smart home features like water leak sensors or electrical systems monitors. These can help lower your costs.  

Umbrella and Extra Coverage. If your net worth is higher than your policy’s liability limits, consider an umbrella policy for added protection. Personal articles coverage can also safeguard valuables like jewelry. 

When comparing policies, look beyond price: consider coverage and value, too. If you need help, our team at Long & Foster can connect you with an insurance agent who works with many top carriers to find the right fit for you. Find an agent today at LongandFoster.com.