Here’s what to have on hand before you start.  1. Your Current Insurance Policy  If you already have insurance, keep a copy of your current policy or declarations page nearby.  This can help an agent understand your existing:  Most importantly,…

How Often Should You Review Your Policy?  For most homeowners, an annual insurance review is a good starting point.  Your policy should also be reviewed whenever you experience a significant change involving your home, finances, family, or belongings.  A policy…

  1. Credit Score  Your credit score doesn’t just impact loan approvals; it also influences your home insurance premiums. Insurers often rely on credit-based insurance scores to gauge risk, and those with higher scores may enjoy lower premiums. For example,…