Update the property story
Write down renovations, roof replacement, detached structures, new valuables, and changes in occupancy or rental use.
- Ask how the dwelling limit was calculated.
- Review personal-property limits and any item-specific limits.
- Check liability limits and every deductible that may apply.
Read what is excluded
Ask about exclusions, conditions, and endorsements rather than assuming a label such as “homeowners” describes every loss.