Walk through what has changed
Make a short list of renovations, new features, and other material changes to the property. Include roof or system work you want an agent to know about.
Take a fresh look at your belongings
Consider the furniture, electronics, clothing, and other possessions in your home. Ask how a policy values a covered loss and which items have special limits.
Understand the boundaries
Discuss deductibles, exclusions, and the distinction between standard home coverage and separate flood protection.
Bring your questions
Have your current declarations available and note the topics you want explained. A review should leave you with a clearer understanding of the policy you choose.
This guide provides general discussion prompts, rather than a coverage determination. Review policy terms and individual circumstances with a licensed agent.