Generally speaking, if you’re a responsible Shelton, CT homeowner, if you pay your premiums on time, your home insurance company won’t have any reason to drop you. But it happens. Here are some common reasons why your policy might be canceled:
- High-risk pets. Certain dog breeds and exotics, like snakes, can be a problem for insurance companies. If you’re considering adopting a new pet, you’ll want to talk to your insurer first and see what’s covered. Trying to keep a pet a secret from your insurer is not worth the headaches.
- Old roofs. It varies from insurer to insurer, but most will ask that you replace your roof every 20 to 30 years. Decades worth of water damage can add up, and the damage will be felt from the top down.
- Too many claims. You generally want to file once per term, if you can help it. Your insurer probably won’t immediately cancel your policy for filing twice in a year, but if you’re a habitual claim-filer, they’re going to eventually decide that they’re being taken advantage of.
- Your insurer is no longer covering your city. This happens all the time, and there’s not much that can be done about it. On the upside, this isn’t going to reflect poorly on you when you go shopping for a new policy, but it will leave you without protection if you don’t plan ahead.
If you’re shopping for home insurance in Shelton, CT, or if you have any questions, get in touch with us at Goodman Insurance Inc. You can visit the Goodman Insurance Inc. website, stop by the offices, or call us, and we’ll get you connected with the protection you need.