Why You Need to Update Your Home Insurance After Major Life Events

Life is full of changes, and as a Georgia homeowner, it’s important to make sure your home insurance keeps up with your evolving needs. Homeowners often overlook the impact that major life events can have on their coverage. Whether you’ve recently gotten married, completed a renovation, or acquired valuable possessions, updating your home insurance is crucial in protecting what matters most.

Understanding the Impact of Life Changes

Major life events can significantly affect your home insurance needs. The following are some common scenarios where a policy review is essential:

• Marriage or divorce—Combining households or separating assets can change the value of your belongings and who is covered under your policy.
• Home renovations—Upgrades like kitchen remodels or additions can increase your home’s value, which may require higher coverage limits.
• Purchasing valuables—Acquiring jewelry, art, or electronics may mean you need additional protection for these high-value items.
• New family members—Welcoming a child or relative into your home can affect liability and personal property coverage.

Why Timely Updates Matter

Failing to update your policy after a major event can leave you underinsured or with gaps in coverage. For example, if you renovate your home but don’t adjust your policy, your insurance may not fully cover the cost of repairs after a loss. Similarly, new valuables may not be protected unless they’re specifically listed.

Contact Us

The team at D. Ward Insurance Services in Kennesaw, GA is dedicated to helping you navigate these changes. We offer personalized policy reviews and help you understand state-specific considerations, such as local rebuilding costs and weather risks, so your home remains protected year-round.

If you’ve experienced a major life event, now is the perfect time to review your home insurance. Contact us today to schedule a policy review and make sure your coverage keeps pace with your life.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.