If you’re a League City, TX homeowner, then you should know that simply having home insurance in the first place isn’t enough to ensure the safety of your property and the security of your future. If your home is underinsured, you could still be at risk.

And before you assume that can’t possibly mean you, you should also know that this is a common state of affairs – one that most homeowners aren’t aware of until it’s too late. Here’s how to tell whether you should speak to your ACU Insurance Services agent about upgrading your policy.

Check to ensure your policy covers rebuilding costs

Naturally, most of the point of home insurance is having full protection from the worst possible scenario – total loss of your home due to fire, natural disaster, or a similar occurrence. But don’t just assume that any home insurance policy will cover the total costs of rebuilding a home should the worst happen. If you’re underinsured, yours probably won’t.

Make sure your policy covers your actual valuables.

Another common assumption underinsured homeowners tend to make is that their current policy will cover all of their possessions in the event they are lost or damaged in a disaster. However, this isn’t always the case. Some valuables – like musical instruments, cash, or antiques, to name just a few common possibilities – may require a special policy rider to be protected.

Determine whether you need additional disaster coverage

Many common disasters – like floods or earthquakes – aren’t typically covered by standard home insurance policies in League City, TX. If that’s the case for you, as well, then you’ll want to look into purchasing supplemental insurance to ensure you’re genuinely protected against all possibilities.

Ultimately, a home is one of the most significant investments a person ever makes, so it’s intelligent and essential to ensure it’s well-insured. Get in touch with an ACU Insurance Services rep today to review your policy and ensure it’s everything it should be!