Why Review Your Homeowner’s Policy in September?

September Smart: Why It’s the Perfect Time to Review Your Homeowner’s Insurance

As the air turns crisp and leaves start to fall, September ushers in a season of change—and it’s also a great time to turn your attention to something often overlooked: your homeowner’s insurance policy.

Many homeowners set their policy and forget it, but just like your home needs seasonal maintenance, your insurance should be reviewed regularly to make sure it still meets your needs. September, which is National Preparedness Month, is the ideal time to do just that.

1. Changing Seasons = Changing Risks
With fall comes an increased risk of weather-related damage—think windstorms, early frosts, and heavy rain. Reviewing your coverage now ensures you’re prepared for what’s ahead.

2. Back-to-School, Back to Routine
With summer vacations behind us and routines back in place, September is a practical time to handle the important items on your home checklist—like reviewing your insurance.

3. End-of-Year Planning
September is your last “calm” month before the holidays. It’s a great time to evaluate your current financial picture, and your insurance coverage is a big part of that.

Key Things to Check in Your Policy

Coverage Limits
Have you renovated your kitchen, finished the basement, or made other upgrades? These changes might mean you need more coverage than before.

Replacement Cost vs. Actual Cash Value
Make sure you understand whether your policy covers the full replacement cost of your home and belongings—or just their depreciated value.

Liability Protection
If someone is injured on your property, liability coverage is what protects you. Make sure your limits are high enough to shield your assets.

Deductibles
Higher deductibles can lower your premiums, but make sure you’re comfortable with what you’d have to pay out of pocket in the event of a claim.

Bundling Opportunities
You might be able to save by bundling your home insurance with your auto or other policies. Ask your insurance agent if this makes sense for you.

Take Action Now

Use September as your annual reminder to:

• Review and update your home inventory
• Check your policy limits
• Ask questions about what’s covered and what’s not
• Reach out to us about any changes in your home or lifestyle

Your home is likely your most valuable asset. Taking a few moments this month to ensure it’s fully protected can save you from major headaches down the road.

Need help reviewing your policy? Our team at SeibertKeck Insurance Partners is here to make sure your home—and your peace of mind—are protected all year long.