No one likes to think about fire, storms, or burglars, but they all definitely exist, and they all cause damage and loss – and they often happen to people and families who never thought it would happen to them.

If you were to lose your home or possessions, or they were damaged, would you have enough homeowners insurance coverage to recover? And do you have a place to live while repairing? That alone can add up to an alarming amount of money, depending on how long it takes to repair your home.

That’s why it’s so important to protect your home against these situations. After all, your home is one of your biggest investments; it’s common sense to keep its safety insured. Whether it’s your home itself that has been damaged, or your personal items such as your computer, television, or furniture, there are steps you should take to protect what you have. Here are some things you may not have thought about regarding home coverage:

• Let’s say you don’t have home insurance. Did you know that every home insurance policy is different? Each home insurance company offers different deals, and most policies can be tailored to your exact requirements. At companies like Humphries Insurance, we work with you to figure out what policy will best meet your needs.

• Remember: anything that isn’t mentioned in your policy will not be covered, so make sure you read everything carefully, and ask all the right questions. Your agent will be happy to answer questions.

• Let’s say you do have home insurance. Be sure to review your policy at least once a year to make sure all your belongings are covered. Many homeowners spend loads of money each year to renovate or add on to their houses, but then don't update their homeowners insurance coverage.

• Every year, go through your house with a video camera or regular camera and take video/photos of ALL your possessions – not just the expensive things! You need to record anything that you’ll want to be reimbursed for, including clothing, CDs, toys, etc. You also need to write a yearly physical list with an estimated dollar value for each item. Having this recorded and physical documentation will help you settle your claim much faster, and it will also ensure that you don’t forget anything. Keeping your home inventory up-to-date will prove very helpful.

Try to think about how much the protection of your home and possessions means to you. At the end of the day, it comes down to how secure you personally want to feel. Call us today to set up a home insurance meeting or to review your current policy. We’re an independent, full-service insurance agency in the Blue Bell, PA area. To learn more about Blue Bell PA home insurance, please visit www.humphriesinsurance.com.