As the spring season gets underway, it’s important that your home can stand up against stormy weather. This should include going over your current home insurance policy to ensure you have a clear understanding of your coverage. Doing this will allow you to identify whether or not you’re adequately protected for whatever Mother Nature may bring. In the event you recognize any gaps in your coverage, the professionals at Texas County Mutual Insurance will help you update your policy to meet your changing needs. For more than a century, they have remained dedicated to providing the residents of Licking, MO, with high-quality products at affordable prices. 

Below, they go over a few steps you should take to make certain you’re properly covered before a major storm hits:

• Review Policy Inclusions & Exclusions: It’s essential to become familiar with everything your home insurance policy covers, as well as what it excludes. Standard policies generally include coverage for lightning damage, fallen trees, tornadoes, wind damage, and some forms of water damage, such as leaks and burst pipes. Flooding is not typically included in home insurance and requires the purchase of a separate policy. If you live in a flood zone, it’s vital to add this to your coverage.  

• Update Your Inventory: Now is a good time to also update your inventory of insured possessions. If you’ve made any expensive purchases since buying your home insurance policy, those should be added to your coverage before the next big storm arrives. Take photos of these belongings and document their descriptions, purchase date, and retail price. You may find it necessary to add endorsements to your policy for high-value items.
• Check Your Coverage Levels: The cost of rebuilding your home may change with each passing year. If you haven’t checked your coverage levels in a while, do so before the forecast calls for inclement weather. This will ensure you receive whatever funds you need to rebuild your home should it become extensively damaged in a storm. 

One of the most effective ways to reduce the risk of spring storms wreaking havoc on your property is to have an updated home insurance policy. An insurance agent from Texas County Mutual Insurance will carefully assess your coverage to determine whether or not you’re lacking protection in any areas. Contact them at (573) 674-3125 to request an insurance quote, or visit their website for additional information.