Home insurance is most effective when it accurately reflects the property it’s meant to protect. When life at home changes, your insurance needs may change too.

It’s a good idea to get a free home insurance review each year, but you should definitely talk to your agent sooner if you do any of these seven things:

Building a new garage or porch will increase the value of your home. So will updating your kitchen and bathroom, or replacing major items such as the roof or HVAC system. When you add value to your home, it’s important to let your insurance agent know because the coverage you have may need to be increased to accurately insure the property.

Getting a trampoline for your backyard enjoyment may require additional coverage for liability concerns as well as the item’s value. The same is true for swing sets and swimming pools. Even installing a privacy fence can increase the value of your property.

Listing your house on Airbnb or leaving it vacant may affect your insurance policy. Review the details of any change in occupancy with an agent to ensure proper coverage.

Jewelry, fine art and other high-cost items might not be fully insured by a homeowners policy and may require special coverage to insure their total value.

Not all changes to your home require additional insurance. Some, such as adding a monitored home security system, may qualify you for a discount. A home insurance review will help you identify all the discounts you deserve.

Some breeds of pets are considered a higher risk to people than others. Your agent can review coverage for these situations.

A typical homeowners policy does not offer enough coverage for business equipment. You may also need coverage for liability and lost income. Your agent can advise you on the best way to insure your business.

Get a Free Home Insurance Review

An agent will review your policy—from any company—so you know exactly what’s covered and which discounts you qualify for.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, Auto Club South Insurance Company, Auto Club Insurance Company of Florida, or non-affiliated insurance companies.

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