Do You Have an Adequate Amount of Homeowners Insurance?

Owning a home can be a truly rewarding experience in a person’s life, which is why it’s only natural to want to ensure that you’re protecting your home in every way possible. You’re obviously already aware that you must maintain homeowners insurance on your Louisa, VA home, but do you have an adequate amount of coverage? Here is a brief overview that can help you make that determination. 

Has Your Home Been Appraised?

When you purchase homeowners insurance, you need to ensure it’s enough to cover the true value of your home. Your home should have been professionally appraised prior to closing. If it’s been a while since your last appraisal and you’re unsure of your home’s current value, you could have it appraised again or you can assess your home’s value in other ways as well. 

Another way to determine your home’s value is to realize that the actual value of the property and the replacement cost are not the same. You also need to take how you use your home into consideration as well as your personal belongings and finances. Even after you’ve determined a specific value for your home, you might want to purchase a policy that covers more than it’s worth, just in case. 

Call Today To Discuss Your Options

If you’re a Louisa, VA homeowner and you’re seeking a new insurance agent, we at The Pivotal Insurance Agency LLC are accepting new customers. We pride ourselves on going above and beyond to provide our customers with the absolute best in service and coverage, and we’re ready to provide the same for you. Contact us at The Pivotal Insurance Agency LLC today, so we can provide you with a quote as well as answer any questions that you may have.