Most homeowners set up their policy once — at closing — and never think about it again. But a home isn’t static. You renovate, you accumulate, you take on more (or less) risk than the day you moved in. Without someone checking in, it’s easy to end up either underinsured or paying for coverage you no longer need.
That’s where Mark Weedin Insurance comes in. As an independent insurance agency, we’re not locked into one carrier’s rates or products. We compare your options across multiple insurance companies to find coverage that fits your property, your belongings, and everything else that makes a house a home.
What Your Home Policy May Include
The right home insurance policy depends on what you own, where your property is located, and what you can’t afford to lose. Below are the core coverage types we’ll walk you through — and help you decide what level of each actually makes sense for you.
- Dwelling Coverage — Covers the physical structure of your home if it’s damaged by a covered event like fire, wind, or hail.
- Personal Property — Covers your belongings — furniture, electronics, clothing, and more — if they’re damaged, destroyed, or stolen.
- Liability Protection — Covers injuries or property damage to others that occur on your property, plus legal costs if you’re sued.
- Loss of Use — Covers additional living expenses if your home becomes temporarily uninhabitable due to a covered loss.
- Other Structures — Covers structures not attached to your home, like a detached garage, fence, or shed.
- Medical Payments to Others — Covers minor medical expenses for guests injured on your property, regardless of fault.
- Water Damage Coverage — Typically covers sudden, accidental water damage, like a burst pipe or an overflowing appliance. It’s important to note that not all water damage is covered: flooding from outside sources, like rising water or storm surge, falls under separate flood insurance, and damage from sewer or drain backups typically requires its own add-on policy. We can help you understand what’s covered and fill any gaps with the right add-on coverage.
When Should You Review Your Home Insurance Policy?
Not all homes are insured the same way. Whether you own a single-family house, a condo, an apartment you rent out, or a property you lease to tenants, the right policy depends on the type of dwelling and how it’s used — homeowners, condo, renters, and landlord policies each cover different things.
At its core, homeowners insurance exists to help you recover from the unexpected — fire, storm damage, theft, and other disasters you can’t plan for but can prepare for. But that protection only works if your policy keeps pace with your home’s actual value. As home prices and rebuild costs shift, a policy that hasn’t been updated can leave you with a real gap between what you’re covered for and what it would actually cost to recover.
As a general rule, home insurance is worth a review once a year. But there are specific moments that should prompt a closer look sooner:
- You renovated or remodeled — Updates to your kitchen, bathroom, or square footage can change your home’s rebuild cost — and your coverage should reflect it.
- You made a major purchase — New jewelry, electronics, or other valuables may exceed your policy’s standard personal property limits.
- You added a pool, deck, or other structure — New additions to your property can introduce new liability exposure and may need to be added to your policy.
- Your home’s value has changed — Rising rebuild costs or local market shifts can leave your dwelling coverage out of step with reality.
- Your household changed — A new roommate, a home-based business, or a dog breed change can all affect your liability exposure.
- You received a renewal with a rate increase — A jump at renewal is one of the clearest signals to shop around. Carriers adjust rates constantly — what was competitive last year may not be now.
- You can’t remember the last time you looked at it — If you’re not sure what you’re covered for or when you last made a change, that’s reason enough. A policy review is quick and easy.
We make it easy to review your home insurance policy. Give us a call or send us a message and we’ll take a look at what you have — and whether we can find you something better.