Dalessandro Agency Inc

1500 44th St SE
Kentwood, MI 49508

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Dalessandro Agency Inc Blog

Do I have enough home insurance coverage

Buying a home is the most significant investment most people will ever make. Protecting that investment is essential, and home insurance is how you do that. If you have a mortgage, the lender will require that you keep enough coverage to protect their investment, but the amount of your mortgage is likely a lot less than the actual value of your home. When was the last time you took a good look at your home insurance policy to see the amount of coverage that you have? If you are like many people, it has been a while. If you live in the Grand Rapids, MI area, Dalessandro Agency Inc. has the knowledgeable staff to help you evaluate your policy and determine if you have enough home insurance coverage. 

Home insurance has several different coverages. It offers a dollar value for the replacement of the actual structure of your home. It has a sperate amount for other structures on your property, such as a detached garage, casita, or shed. Your personal possessions have another value, and then there is important liability coverage. How do you know if the coverage you have is enough? 

You need to ask yourself some questions

  • What is the actual value of my home? Keep in mind that if you check the value online, it includes your lot as well as your home.
  • Have you made any significant upgrades that your insurance agent isn’t aware of that would increase the value of your home?
  • Do you own expensive items that may need additional coverage? 
  • Is your liability coverage adequate to protect the assets that you have? 

After you have answered these questions, why not call the office of Dalessandro Agency Inc. and set up an appointment to discuss your home policy. The team knows about values in Grand Rapids, MI, and can help make sure you have enough home insurance.