Start the Year Strong with the Right Home Coverage

The new year is the perfect time for a fresh start—and that includes your home insurance. While you’re setting goals and getting organized, a quick home insurance review can help make sure your coverage still fits your life today, not last year.

What’s changed around your home?
Home improvements are a great investment, but they can also change how much it would cost to rebuild your home. If you upgraded your roof, added a patio or deck, remodeled a room, or made other improvements, your current policy may not reflect those updates. Making sure your dwelling coverage is accurate now can help you avoid being underinsured later.

Don’t forget new purchases
The holidays often bring new electronics, appliances, jewelry, or home office equipment. Some higher-value items may have coverage limits under a standard homeowners policy and could need additional protection. A quick review helps confirm your belongings are properly covered.

A simple review, real peace of mind
Reviewing your home insurance doesn’t have to be complicated. It’s an opportunity to:

• Confirm your coverage keeps pace with home upgrades
• Make sure personal property limits still fit your lifestyle
• Identify any gaps and fine-tune your protection

Let’s start the year off right
At Dowd Insurance Agency, we take the time to make sure your coverage works for you—not just at renewal, but year-round. Because we’re an independent agency, we can compare options and make adjustments that truly fit your needs.

Starting the year with the right home coverage means fewer surprises and more peace of mind. If you’ve made changes to your home or purchases over the past year, now’s a great time to check in and make sure you’re fully protected for the year ahead.