Why You Should Update Your Home Insurance with a Professional Inspection | Kenco Home Inspections
Introduction
Your home isn’t just a place to live — it’s one of your greatest investments and a safe haven for you and your loved ones. Protecting that investment requires more than just having home insurance; it requires making sure your policy is up to date. Over time, your home and its contents can change — and your coverage should evolve with them.
At Kenco Home Inspections, we help homeowners across Southeast Florida ensure their homes are accurately represented and properly protected. Here’s why scheduling a professional inspection can help you keep your home insurance current and reliable.
1. Home Upgrades and Renovations
Have you recently remodeled your kitchen, added a new room, or installed a state-of-the-art security system? Home improvements like these can increase your property’s value — and your insurance should reflect those updates.
Without an updated inspection, you could be underinsured in the event of a claim. A home inspection provides the documentation your insurance company needs to adjust your policy based on your home’s true condition and value.
2. Changes in Property Value
The real estate market in Florida is constantly changing. Property values can rise quickly, especially in desirable areas from Vero Beach to Fort Lauderdale. If your home’s market value has increased since your last insurance review, your current policy may no longer provide adequate protection.
Conversely, if values in your area have declined, an updated inspection may help you save on premiums by aligning your coverage more accurately with current market conditions.
3. Personal Belongings and Valuables
Your home insurance doesn’t just cover the structure itself — it also protects your personal belongings. If you’ve added new valuables like jewelry, electronics, or art, you may need to increase your coverage limits.
A professional home inspection can help verify your home’s condition and support any updates to personal property coverage, ensuring that your policy protects everything that matters most.
4. Liability Coverage
Liability coverage is often overlooked but is one of the most critical parts of a home insurance policy. If you’ve added features such as a swimming pool, deck, or guesthouse, your risk level has changed — and so should your coverage.
An inspection provides insurers with up-to-date details about your property, helping them determine if additional liability protection is needed to safeguard your assets.
5. Outdated Policies
Insurance policies and building standards evolve over time. What was once considered comprehensive coverage may no longer be adequate.
Scheduling a home inspection allows you and your insurance provider to identify outdated provisions and adjust coverage where necessary — before an unexpected event occurs.
Conclusion
Your home is a major investment, and keeping your insurance policy aligned with its true value is essential for peace of mind. A professional home inspection ensures your insurer has the most accurate and current information about your property.
At Kenco Home Inspections, our certified inspectors provide thorough, unbiased evaluations to help homeowners and insurance providers make informed decisions.
Call us today at 561-718-6711 or email hello@kenco.org to schedule your next home inspection and make sure your insurance coverage truly protects your home.
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