🏡 Make Sure You Have Enough Homeowners Insurance

Life has a way of throwing curveballs — sometimes big (storms, fires) and sometimes small (like that mysterious ceiling leak that just won’t quit 🙃). Either way, the last thing you want is to realize your insurance isn’t enough when you actually need it.

The good news? With the right coverage, you’ll have peace of mind knowing your home (and wallet) are protected.

Here’s what to keep in mind:

How Do You Determine Coverage?

Your coverage should be based on your home’s square footage and what it would cost to rebuild today. Most insurance companies require at least 80% of your home’s replacement value.

👉 Pro tip: Don’t forget about everything inside your home too — furniture, appliances, clothes, electronics, and that fancy air fryer you can’t live without.

Do You Have Enough Coverage?

• Double-check what your home is worth today, not when you bought it.
• Make sure your deductible is realistic for your budget.
• If you have a special collection, jewelry, or a home office setup, ask about additional riders so you’re fully protected.

What About Flood Insurance?

Here in the Ada area, you might not need flood insurance, but water damage can be tricky. There’s a difference between being covered for a burst pipe versus a flooded garage. Talk with your agent about whether flood coverage makes sense for you.

Do You Need an Upgrade?

If you’ve recently remodeled, added a deck, or invested in new furniture and tech, let your insurance agent know. They can update your policy, snap photos, and confirm if you need more coverage.

✅ Bottom line: The best time to review your coverage is before you need it. A quick check-in with your insurance agent can save you a huge headache (and a big bill) later.