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There are many technicalities in an insurance policies where a small detail can suddenly change how coverage works.  It is important to communicate with your agent on any changes to any of your situations.  Things like people (family or not) moving in or out, changes to your home (updates or downgrades), renovations, and more.

I recently had a conversation with a colleague who was telling me about a scenario where someone was renting out an apartment over a detached garage.  An incident occurred, the garage burnt down, and because the person had a renter in the garage that was not listed the claim was not covered.  Now while normally the garage if it were not used by a renter would be covered as a separate structure.  However, when you added the tenant it changes the way the risk is viewed. 

It would be easy to just assume that everything is covered under your policy.  However, it may not be the case, and if you are making a decision on a change talk to your agent, ask him about how that change might impact you.  That five minutes could give you some food for thought that you were not considering as a residual impact from what you are looking to accomplish.

To learn more about affordable home insurance in Minnesota contact the Garsys Agency at 866-432-4753.
Posted 12:39 PM  View Comments

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