Whether you’re moving into your first house or are curious about the coverage for your current home, home insurance can help protect you from the unexpected. Most policies cover a range of events that minimize the amount you pay out of pocket for repairs or property replacement. Here are several features you should know about your coverage.

What Should I Know About Home Insurance?

1. Remodeling Requires a Heads-Up

If you’re planning a remodeling project, such as adding a deck or expanding a bedroom, it’s important to let your home insurance provider know first. They will let you know if additional coverage is required to insure the new addition. Some additions, like swimming pools, also require special coverage because of their safety risks. Failure to let your carrier know could leave you financially responsible if damage occurs during or after the renovation if there's an injury in your new space. Expanded coverage will also help financially protect you in case any remodeling contractors are not insured while they work on your home. 

2. Dog Breeds Determine Eligibility

There are certain dog breeds that pose a higher safety risk for pet owners. Depending on the breed, some home insurance companies may not be willing to provide coverage or will charge higher premiums. Compensation for medical care and other related expenses for injured individuals may not be covered if your dog's breed is on the restricted list. Pit bulls, Rottweilers, Doberman Pinschers, and German Shepherds are breeds that can commonly impact your home insurance. If you’re planning to welcome a new dog into your household, be sure to check with your provider first to see if it would affect your insurance rates and coverage. 

3. Provider Cancellation Is Unlikely

While there are exceptions, most home insurance providers cannot cancel your policy if you are up to date on the payments. However, if the policyholder fails to make on-time premium payments, abandons the property, commits fraud or other illegal offenses, the provider can cancel the plan. If this occurs, insurance companies will typically provide a 30-day notice and an explanation of why the policy has been canceled.

If you're in the market for home insurance, reach out to the professionals at JMS Insurance Agency in Stafford, TX. They're the area’s trusted source of affordable, reliable, and tailored coverage. Serving Fort Bend, Harris, and Montgomery counties, the independent agency partners with several leading carriers to provide you with the best protection for your home, car, or business. Call (281) 494-1500 to speak with a representative about coverage options or request a no-obligation quote online.