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What Invalidates My Home Insurance?

renovating a house

What Can Invalidate Your Home Insurance

 

Making sure the most expensive purchase you’ll ever make is covered is important, which is why homeowners insurance is so valuable. From your most prized possessions to your nearest and dearest, your home holds everything you value most. To make sure you’re not left uncovered, we’ve put together this handy list of things that could result in you invalidating your home insurance in Renton, WA.

 

  • Leaving your home unoccupied

Your homeowners insurance policy may come with a limit of the number of days your home can be left unoccupied. If you think you’ll exceed this limit because of a trip to Europe or something else, it’s wise to let your insurer know. Failing to keep your home in good condition while you’re away could lead to burst pipes, flooding, theft, and vandalism, too.

 

  • Not updating your policy when something changes

Keeping your home insurer informed of any changes to your information or changes to your property during the policy term is essential. If you have renovated your property, made minor improvements, or added a pool or trampoline, then it’s important to keep your insurer in the loop. Failure to notify your agent of alternations or changes could mean the insurance company is unable to pay the claim, reduce the amount you’re able to claim for or even cancel your policy.

 

  • Using your home for business

If you start using your home for business when you’ve already taken out home insurance coverage, then you could be putting your property at risk. More and more people are starting businesses from home but neglecting to let their insurer know. If you operate a small business from home and have customers who visit, you may need another policy to properly protect your home and business.

 

We hope this gives you a better understanding of what invalidates your home insurance. When you need to find reliable home insurance to suit your budget, talk to the professionals at Humble & Davenport Insurance today.