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 When Travis bought his first home in Oklahoma City a few years ago, he did everything right. He chose a reputable insurance company, worked with a trusted agent, and selected a homeowners insurance policy that gave him the protection he thought he needed. Fast forward three years, and life had changed more than he realized. A new roof, a home office addition, and a few big storms later, Travis found out the hard way that his coverage didn’t match his current needs. A minor roof leak turned into a major headache—and a costly one—because his policy limits were outdated. Travis’s story isn’t uncommon. Many homeowners assume once they pick a policy, they can forget about it. But the truth is, your homeowners insurance should evolve with your home and your life. In a place like Oklahoma City, where weather patterns, property values, and living situations can change quickly, taking a little time each year to check your coverage can make a big difference. Why a Yearly Home Insurance Review MattersLife moves fast, and your insurance policy might not keep up without a little help. Even small changes to your home or your lifestyle can impact what coverage you need—and how much you might need to pay if something goes wrong. Oklahoma homeowners face a unique mix of risks. Severe storms, tornadoes, hail, and occasional freezes can all put your home to the test. As building costs and repair prices climb, sticking with an outdated policy could leave you footing the bill for expenses that your insurance no longer fully covers. Taking the time for a yearly review helps you spot any gaps in protection, avoid unpleasant surprises during a claim, and sometimes even lower your premiums by adjusting coverage based on current conditions. Signs It’s Time to Update Your Home InsuranceEven if you haven't thought much about your policy lately, here are a few changes that could mean it’s time for a closer look: Home Improvements or Upgrades Did you add a new room, remodel the kitchen, upgrade the roof, or build a backyard deck? These improvements increase your home’s value. Without adjusting your homeowners insurance policy, you might be underinsured if you need to rebuild or repair. Increases in Property Value Home prices in Oklahoma City have been on the rise. If your home is worth more today than when you first bought insurance, your current replacement costs could fall short. A policy based on outdated numbers could lead to expensive gaps in coverage. Big Purchases or Lifestyle Changes New appliances, electronics, or valuable personal property like jewelry or art collections should be factored into your personal property coverage. If you’ve made major purchases or inherited valuable items, your policy may need an update. Severe Weather Events Living in Oklahoma means being ready for the unexpected. If your home has weathered hailstorms, strong winds, or flooding, it’s smart to check that your dwelling coverage and deductible amounts are still appropriate. Changes in Building Costs The cost to rebuild a home often rises faster than people realize. Labor, materials, and construction costs have increased, which means replacement costs could be much higher today than when you first bought your policy. What to Focus on During a Home Insurance CheckupWhen you sit down to review your policy, a few key areas deserve extra attention: Dwelling Coverage This covers the structure of your home. Make sure your dwelling limit matches the current cost to rebuild based on today’s building rates in Oklahoma City. Personal Property Coverage Check that your coverage for belongings reflects what you actually own now, not what you had when you first moved in. Liability Coverage Accidents can happen anywhere. If someone is injured on your property, liability coverage helps with legal costs and settlements. You may want to consider raising your limits if you’ve added a pool, trampoline, or hosted more gatherings lately. Additional Coverages Some risks, like flood damage, are not covered under standard policies. Depending on your location, you might want to explore separate policies for floods, earthquakes, or additional living expenses. Deductible Choices Higher deductibles can lower your insurance premiums but mean more out-of-pocket costs during a claim. Make sure the deductible amount still makes sense for your budget. How Oklahoma Insurance Professionals Can HelpReviewing your insurance policy can feel overwhelming. That’s where having an independent insurance agent really pays off. At Oklahoma Insurance Professionals, we do more than just sell policies—we work alongside you to make sure your coverage grows with you. Since we partner with multiple insurance companies, we can compare rates and options to find the best match for your situation. Whether you live in Oklahoma City, Edmond, Moore, Norman, or anywhere nearby, we understand the unique risks Oklahoma homeowners face. We take the time to explain what each part of your policy means in plain language, not insurance jargon. If your needs have changed, we’ll walk you through your coverage options and help you decide if adjusting your policy makes sense. When Is the Best Time for an Insurance Checkup?While you can review your homeowners insurance at any time, a few moments naturally lend themselves to a good policy review:
Small Reviews, Big Peace of MindYou spend a lot of time, effort, and money making your house a home. Protecting it shouldn’t be left to guesswork. A quick insurance review once a year helps make sure your coverage still fits your life today—not just who you were when you bought the policy. You might even uncover ways to save money. Many improvements, like installing a security system, upgrading the roof, or adding storm shutters, could qualify you for discounts from insurance companies. In a market like Oklahoma City, where weather can turn quickly and home values continue to change, staying ahead of the curve can make a big difference if disaster strikes. Ready for Your 2025 Home Insurance Checkup?Whether you’re in Oklahoma City, Norman, Edmond, Moore, or somewhere nearby, Oklahoma Insurance Professionals is ready to help you protect your home and your future. Our team understands how personal home insurance really is, and we’re here to make sure your coverage grows with your life. If it’s been a year—or longer—since you’ve looked at your homeowners insurance policy, don’t wait. Call Oklahoma Insurance Professionals today for a friendly, pressure-free policy review. Together, we’ll make sure you’re covered for whatever 2025 has in store.
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