ST. CATHARINES HOME INSURANCEYour Hometown Broker

Whether you are welcoming a new baby to the family, planning to do foster care, adapt or blend two extended families, there is one important thing you should never forget to do; update your Hamilton home insurance policy.

When a family grows, it’s often a very exciting time for everyone involved. However, there are accommodations that sometimes need to be met in order for everyone to be comfortable in the home. For example, sometimes you might have to turn an old bedroom into an office, or an old office into a bedroom.

Sometimes you might have to clear out a basement and turn it into a spare bedroom. And other times, you might have to clean out a garage, that is barely used, and make it into a master bedroom so everyone in the family is comfortable. With all the different ways one can update the structure of their home, there’s only one way to protect all of this new construction. Updating the home insurance policy with a company like Duliban Insurance Brokers, a brokerage that is fully equipped to help your home insurance policy grow with your family.

What Could I Increase To Protect My Home Better?

There are many coverages on a policy one could increase to accommodate a growing family. However, the three that would be key to focus on our dwelling, personal property, and liability coverage.

• Dwelling Coverage – (Covers the structure of your home). If you are adding additional rooms to your home to accommodate a growing family, your home is now worth more money than it was prior to these additions. If this is the case, you will want to make sure that in the event of a fire, or another catastrophe, you will get your home rebuilt the same way it was prior to the devastation.
• Personal Property – (Covers everyone’s belongings inside the house). If you were the only one living in the house, and then you added a wife, two kids, a mother-in-law, a foster child, and two nieces, your old personal property limit won’t cut it anymore. If you’ve added this many new additions, you will have to do an estimation of everyone’s personal belongings, call the insurance company, and give them that number. This will be your new personal property limit on your Hamilton home insurance policy.
• Liability Coverage – (Covers bodily harm, and other potential negligence issues, you or any permanent member of the household, cause a to other people while they are on your premise) – For example, if your mailman is walking up your driveway to drop off a package, trips on your uneven, sharp and damaged walkway, they could potentially sue you. If your two nieces invite a bunch of kids over from the neighborhood to jump on your trampoline, and one of the kids breaks their arm, you could be sued in this scenario, as well. Your liability coverage would help you out of this bad situation.

Part of keeping everyone in the house safe and cozy is not only adding more rooms, or repurposing other rooms. It is also having protection in place that if the worst were to happen to the home, you would have enough coverage in place to build the home back so everyone could continue to have a place that was safe and cozy for years to come.

To learn more about Hamilton home insurance, contact the experts Duliban Insurance Brokers at 1-855-385-4226. Our licensed professionals will be happy to answer any questions you have.