Why you need to make sure your Homeowners insurance is update

With the California wildfires raging on, insurance agents say it’s a good time to make sure all of your insurance policies are up to date.

An insured just had an addition put on her home in Niagara County. She told her insurance agent about it even before she started the work.

If a homeowner loses a house to fire, a typical homeowner’s insurance policy pays 100 percent to rebuild it.

A homeowner can get another 70 percent of the total value of coverage for the personal items lost in a fire.

Insurance agents suggest owners make a list of all of their personal property and keep it up to date.

"Talk to an agent,” said insurance agent Les Robinson. “Tell them how your house is laid out, what kind of rooms that you have, the style of the house, any additions that you've made or improvements like a three-walled addition or a custom kitchen or custom bathroom. These things can really change the replacement cost from what's generally in your neighborhood."

Agents also recommend taking pictures or making videos of the things in your house and storing those pictures somewhere safe.

This is especially true for people who have expensive items like electronics, antiques or art work.

If you have insurance questions please call Lester Robinson at 1-800-836-2040 or e-mail at lrobinson@thenorthwoodscorp.com

For a quote on your Auto and Home Insurance call Lester Robinson at 1-800-836-2040 ext. 3014 or go to website at http://www.wnyinsurance-quote.com/html/quotes.html

Les Robinson III, FICF, ACB

Insurance Broker

The Northwoods Corp.

8810 Main Street

Williamsville, NY 14221

Phone: (716) 626-0004 Ext. 3014

Fax: (716) 626-5057 Attn: Les

lrobinson@thenorthwoodscorp.com

See “the ABC’s of Insurance” TV show on Channel 20 Time Warner Cable in Western New York hosted by: Les Robinson