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Your California Home Insurance and your home value!

Your California Home Insurance and your home value!

It is typical to expect that home values will increase with each passing year, but the reality in this financial climate is that prices fluctuate. While some homes have certainly increased in value, for some unlucky ones, their home values have remained stationary or even decreased. While that’s certainly not great news, one small positive result is that a decreased home value may also mean you are eligible for reduced California home insurance premiums.

Most homebuyers purchase an insurance policy based on the cost of rebuilding the home should a major disaster strike. Just as you would generally increase the amount of your insurance should you renovate or make additions to the home, then a decrease in home value may mean you are currently over-insured. Any insurance policy is based on the circumstances at the time the policy was purchased. Make any changes, or have any changes thrust upon you, then it may be time to review your insurance.

Should your home have decreased in value substantially, then be sure to phone our agency for assistance. They may advise you if your policy is still current or could be altered, and also, if there are any other ways that you might save on your California home insurance!



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