1. You're remodeling or upgrading. Even simple changes can impact the value of your home.
2. You've made a major purchase. Most insurance policies cover only up to a certain amount for jewelry, collectibles and expensive items.
3. You've made a lot of purchases. Your agent can help you determine if you have the right coverage for your current contents. Hint: a home inventory list is a great idea.
4. Computers, stereos and electrical equipment. For only $25 or $50 more a year (depending where you live), Universal North America offers Home Equipment Breakdown coverage that can be invaluable when costly repairs are needed.
5. Swimming pools and outside structures. Upgrades outside your home need coverage, too.
6. You work from home. If you run a business from your home, you may have limited coverage.
7. Discounts for multiple policies. Universal North America offers discounts if you have your Home, Auto and/or Flood policy with us.
8. Major lifestyle changes. Getting married? Divorced? Starting a family? Sending a kid off to college? All of these changes can affect your insurance.

It's important to keep your insurance up to date. Universal North America agents can help you protect your investments with a regular review of your insurance coverage, making sure you are not under-or over-insured. Insurance without the surprises. That's our policy.