Month: January 2026

Many insurance industry experts recommend updating your home insurance policy regularly. Yet you may not realize what this means or whether you need to involve your agent. Periodic reviews of your insurance coverage will keep your policy up to date and ensure your residence is protected as it deserves. The professionals at M & M Insurance Group, serving Chesterland, OH, can guide you through this process.

What Is an Insurance Review?

Reviewing your home insurance involves a thorough evaluation of your current policy to ensure it adequately protects your home, personal belongings, and financial situation. Doing so will help you identify coverage gaps, potential overpayments and possible discount opportunities. Your home insurance review has several key components that you can perform:

• Check that dwelling and property limits are sufficient to cover losses
• Compare rates from different carriers
• Verify you have all possible discounts

While you can complete the first step on your own, you’ll need an insurance agent for the second and third steps. Giving your agent any updated information will ensure you have adequate protection and the best possible rate.

When To Update

You should review your coverage at least once annually, preferably a month or two before your current policy renews. This timing will allow you to analyze your current coverage and see how changes will affect your policy. However, some situations call for an immediate review of your coverage:

• Substantial home renovations and additions
• Acquiring valuable jewelry or artwork
• Lifestyle changes, such as marriage, divorce, a new baby or adopting a child
• Starting a home business
• Adding a pool, hot tub or similar feature

Ensure that your home insurance meets your current needs by working with the professionals at M & M Insurance Group, serving Chesterland, OH. Contact our office today for an appointment.