Owning a home is obviously, for most of us, our single largest investment.  The question is, do we have our home insured enough to pay a contractor to rebuild, if it was totally destroyed?   Don't take home insurance for granted.  You need to review it and update the insurance annually.  There are a wide range of homeowners policies, from basic to deluxe.  What type of coverage do you have?   What is even more important is the insurance policy right for you? 

The homeowners policy not only covers the house, it also provides insurance for all your personal property - this includes, clothes, appliances and other furnishings.  Jewelry and art and some other items may be insured separately to insure actual value.

Do you  work at home or have an in home business?  Is it covered?

Have you made any improvements to your home, such as a finished basement, or added a deck, hot tub or swimming pool?

Do you have Guaranteed Replacement for the home property?

Is your jewelry and art work insured to their real value?

The list goes on and on.Let us assist you in selecting your insurance coverages.  We want you to insure your home the best way possible as it fits your needs.  Give us a call at Politic & Smalley for an insurance review.