NOW is the time to review your Home Owners Insurance 

When was the last time you reviewed your homeowners insurance policy?  Maybe it was the last time you looked at your mortgage escrow statement or the last time you filed your renewed policy away.  With the rise in construction prices, increase in property values and replacement values, and hurricane season upon us, NOW is the best time to review your policies.

Have you completed upgrades to your home that need to be covered?  Have you made any expensive purchases like jewelry additions or artwork?  Anything new since you acquired your policy needs to be accounted for and documented.  When reviewing your policy, also make sure you have coverage for full replacement value or your items will be drastically adjusted down for depreciation.  In addition, if you haven't already, you need to take photos or video of your belongings to ensure they will be insured.  A good idea is to keep this in a cloud that is not kept in your home.  If your home is damaged by natural disaster or fire, the photos are likely to be the first things you lose.

Do you rent a room?  Renting space can make you liable for all sorts of damages.  It is important to ensure your carrier is aware of that and that you have sufficient insurance coverage.

Also, it is Florida and it is hurricane season!  Do you have flood insurance?  If not, now is a great time to consider that option and if you are not in a flood zone where it is required, it is usually pretty inexpensive.  While you are at it, call you insurance agent and have them shop other carriers to be certain you are still getting the best value for your household.

If you are thinking of Buying or Selling or just have a few questions, call me, Stina, at Augustina Realty today at 904-671-7160.  I would love to assist you!

If you are thinking of selling or shopping new homes for sale in Saint Augustine, Saint Johns, Nocatee, Ponte Vedra and all Jacksonville surrounding areas, call your boutique services company, Augustina Realty today at 904-671-7160 to get started today!  We are Nocatee certified and offer a convenient office location in World Golf Village.  Visit http://www.AugustinaRealty.com to search the MLS like a realtor does or call us for a customized search today!

Saint Augustine Realtor and Licensed Real Estate Broker, Stina Antonopoulos is an Award Winning Top Producer at Augustina Realty specializing in residential sales, rentals and property management in St. Augustine, Saint Johns, Nocatee, Ponte Vedra and all Jacksonville areas, call your boutique services company, Augustina Realty at 904-671-7160 to begin today!