Essential Home Insurance Checklist
Think You’re Fully Covered? Let’s Make Sure!
Your home is one of your most valuable assets, and ensuring it’s fully protected is essential. Our Essential Home Insurance Checklist helps you uncover hidden gaps in your coverage so you can protect what matters most.
In just a few minutes, you can review the key elements of your policy and identify areas that may need attention. Plus, with our Risk Assessment Tool, you’ll gain peace of mind knowing your policy is tailored to your unique needs.
The Checklist
Use this step-by-step checklist to evaluate your home insurance coverage:
1. Dwelling and Structures Protection
- Is your home insured at full replacement cost?
- Do you have extended limits for construction cost increases?
2. Water and Sewer Backup
- Does your policy cover water backup from sewers or sump pumps?
- Are cleanup and remediation costs included?
3. Liability Protection
- Do you have sufficient liability coverage to protect your assets?
- Do you have an umbrella policy for the protection you need?
4. Personal Property Protection
- Are your personal belongings insured at their replacement value?
- Does your policy cover high-value items like jewelry or collectibles?
5. Disaster and Weather-Related Coverage
- Does your policy protect against regional risks like wildfires and hailstorms?
- Does your coverage account for building code upgrades?
6. Deductibles and Claims
- Do you have a flat deductible instead of a percentage-based one?
- Are you familiar with the claims process?
7. Optional and Specialized Coverage
- Do you have service line coverage?
- Have you reviewed your coverage with your agent in the last year?
Take Action Today
Think you’re fully protected? Take the next step to make sure. With our quick and easy Risk Assessment Tool, you’ll uncover gaps in your coverage and gain a clearer picture of how well-protected you are.
Start Your Risk Assessment Now
Click the button below to begin your assessment. It only takes 5 minutes, and a Summit Insurance expert will follow up to customize your policy to fit your needs.
Why Choose Summit Insurance?
At Summit Insurance, we specialize in protecting your home and your peace of mind. Our team is here to help you navigate the complexities of home insurance, ensuring you get the coverage you need without paying for what you don’t.
Have questions? Contact us today to speak with an expert and get personalized advice on your home insurance coverage.
Download the Checklist
Prefer a printable version of the checklist? Download the PDF here.