--- title: Is It Time for a Home Insurance Review? description: If you've made changes to your home or mortgage, it may be time to review your policy. Call us for a home insurance review. Wickline Insurance can help. --- # Is It Time for a Home Insurance Review? ## Is It Time for a Home Insurance Review? - Posted on Friday, December 11, 2020 Owning a home is a great way to build wealth and give your family a place to build memories. Insuring your home correctly is important to protect your investment and your family’s well-being. Today we will go over three things to discuss with your insurance agent regarding your home insurance policy. ### You remodeled. A new bathroom, a custom kitchen, hardwood floors or a new outdoor living space all add value to your home. Not only are they improving the function and livability of your space, but you have increased the replacement cost of your home. By discussing these changes with your insurance agent, they can run a replacement cost estimator and ensure that the changes you have made still fit your current policy. They can easily adjust your existing policy to ensure your new features are covered in the event of a catastrophic loss to your home. ### You changed mortgage companies Do you ever wonder why you never see an actual bill for your home insurance? It is likely because your mortgagee is paying it. Homes that are financed are required to carry insurance, which is why your mortgage company pays the bill, then includes it in your monthly mortgage payment (typically listed as “escrow” on your bill). If you change mortgage companies, be sure to contact your insurance agent and let them know who the new company is. This way, your home insurance company will not have a skipped payment. Insuring your largest investment is serious business and a lapse in coverage can be catastrophic. If you refinance or receive a notice that the lender is changing, send a quick email to your agent informing them of the change. ### Your home insurance premium seems out of line If it has been a while since you shopped your home insurance, you may be wondering if your current home insurance company is the most cost-effective solution and that the coverages you originally had are still the best for you. Because we are an independent insurance agency, we represent many of the top-rated insurance companies. We can compare coverages, pricing, and deductibles side-by-side so you can review what you have now and what other companies offer. This way, you know your asset is properly insured with the right coverage for you. Nothing you do not need and certainly everything you do need! A [home insurance](/homeowner-insurance) review can take just a few minutes of your time but save you a huge headache down the road. If you would like to review your coverage with one of our agents, simply call and schedule a time. We might even have a new company who offers specialized coverages that would suite your needs better at this time. ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/quotes) ## Connect Online - [Facebook](https://www.facebook.com/WicklineInsuranceAssociates) - [Yelp](https://www.yelp.com/biz/wickline-insurance-associates-beckley-4) ## Testimonials You don't have to take our word for it. Check out what our customers say about us. [View Testimonials](/testimonials) **Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.** [Start Your Quote](/quotes) ```json {"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.wicklineinsurance.com/blog/2020/is-it-time-for-a-home-insurance-review#blogposting","url":"https://www.wicklineinsurance.com/blog/2020/is-it-time-for-a-home-insurance-review","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.wicklineinsurance.com/blog/2020/is-it-time-for-a-home-insurance-review#webpage"},"headline":"Is It Time for a Home Insurance Review?","datePublished":"2020-12-11T20:09:00Z","dateModified":"2025-03-27T13:47:03Z","description":"If you've made changes to your home or mortgage, it may be time to review your policy. Call us for a home insurance review. 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