Those who reside in Chandler, AZ may be under the belief that their standard home insurance policies keep them protected. However, San Marcos Insurance Group agents can provide additional insights that keep these homeowners from potentially making avoidable mistakes. Is the home truly ready for the winter? Let’s take a closer look at the reasons why the annual review is so important. 

Insufficient Policies

Sure, the average policy might offer the homeowner coverage against various winter-related calamities. But is it truly sufficient? Chandler, AZ residents must review their home insurance policies to make sure that they are covered against any issues that may occur. For example, the homeowner may have the necessary coverage for the property itself and leave their personal possessions exposed. 

Unique Threats

There are certain threats that the average homeowner is simply not going to be aware of. When a cold snap takes place, the plumbing in the home could be placed at risk. Water damages occur as a result of plumbing related issues and these damages are not always covered in a standard policy. Wintertime disasters can leave a home in a state of disrepair, causing homeowners to spend a great deal out of pocket to maintain a residence.

Added Liabilities

The liabilities that take place during winter are hard to prepare for without the proper assistance. Taking the time to speak with an insurance agent is everything. They can examine the standard coverage and ask the right questions about the liabilities that a homeowner might be facing. For example, any homeowner that sets up an ice skating rink on their property will need to obtain additional insurance. Otherwise, they risk facing costly litigation. 

The importance of reviewing home insurance policies before the winter arrives cannot possibly be understated. That’s what makes San Marcos Insurance Group consultation meetings so crucial. They provide insights that keep homeowners from experiencing unwanted issues over the short and long term.