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A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder according to the limits of your policy.
When speaking with your agent to set up your policy, discuss any valuables you are concerned about. Many sub-sectors of the typical homeowner's policy have lower limits on valuables, such as jewelry, fine arts, antiques, sporting equipment, and more. Our agent can review your policy and recommend changes to ensure that your valuables have proper coverage.
No, you do not need a new home appraisal during the renewal or coverage change process. However, we do run a replacement cost analysis to ensure your property is adequately protected.