How The Holidays Can Affect Your Homeowners Insurance

How The Holidays Can Affect Your Homeowners Insurance

What you should know about updating your homeowners insurance Lombard IL policy after the holidays.

As the holiday season comes to an end, you may be trying to find the perfect place for all of your new gifts. Before you put everything away, it is the perfect opportunity to update your home inventory. An updated inventory is the best way to make sure that all of your new belongings are perfectly covered by your Lombard, IL homeowners insurance.

To update your homeowners insurance in Lombard, IL, follow this simple guide.

  • Get your valuables appraised – any valuable items that you have, such as fine art or jewelry, should be appraised every couple of years or when you add them to your inventory. Including your appraisal receipt in your inventory will help to make sure that all of your belongings are covered for the right price.
  • Update both your inventories – you should always keep at least two copies of your inventory – one at home and one at a safe location outside of your house, such as a safe deposit box. Keeping a copy of your inventory outside of your home will help to make sure that you have access to a copy if your house is completely destroyed. After the holidays, make sure to update your inventory and then return it to a safe place.
  • Call your insurance agent – depending on how much you added to your inventory, you will most likely have to also increase your home insurance coverage. Talking with your insurance agent will give you a much better idea of just how much you will need to raise your limits to ensure you are covered.

When looking for the right homeowners insurance in Lombard, IL, contact the insurance professionals at Steve Wilk Insurance. We are here to help with all of your Illinois home insurance needs to ensure you have the right amount of coverage, all at the right price.