---
title: Why checking your homeowners insurance should be a rite of spring
description: Why checking your homeowners insurance should be a rite of spring
---

[The Plexus Groupe Insights](https://blog.plexusgroupe.com)

# [Why checking your homeowners insurance should be a rite of spring](https://blog.plexusgroupe.com/plexus-blog/retirement-plans/checking-homeowners-insurance-rite-spring)

 Written by [Mike Wilkening](https://blog.plexusgroupe.com/author/mike-wilkening) | Apr 6, 2018 10:06:19 PM

Double-checking your homeowners insurance probably isn’t on many spring to-do lists.  
 But it should be.

That’s the advice from David Miller, Vice President and risk management expert at [Plexus Private Client Solutions](http://www.plexusgroupe.com/s/property-casualty/private-client-solutions/img), a suburban Chicagoland personal insurance agency protecting the life’s work of successful families and individuals with tailored home, auto, and umbrella coverage solutions.

In his recent article, “[Eight Things That Might Surprise You About Your Home Insurance Policy](https://blog.plexusgroupe.com/plexus/news/eight-things-that-might-surprise-you-about-your-home-insurance-policy),” Miller highlights some hot-button issues for homeowners, including:

**Your home may be underinsured.** Via *Consumer Reports*, which cited data from analytics firm CoreLogic, three out of every five homes are 20% underinsured on average. In the case of a total rebuild, this could leave homeowners left to pick up the pieces — while also picking up the check.

**Take a look at your deductible, because it may have changed.** Miller, who has more than two decades of insurance experience, cautions homeowners to be aware of wind and hail deductibles. These have been on the rise, with an uptick in roof-related claims particularly an issue. An insurance company can only change your coverage at renewal; make sure to read the fine print. Your agent can help.

**Do not assume you have sump pump failure coverage.** Most insurance companies will exclude this damage as a cause of loss. However, you can usually buy back a limited amount of coverage. Writes Miller: “Even if you have an unfinished basement, the costs associated with a sump pump/sewer claim might surprise you.”

For more information on the home and personal insurance expertise offered by [Plexus Private Client Solutions](http://www.plexusgroupe.com/s/property-casualty/private-client-solutions/img), contact David Miller at 847-307-6100, or visit plexusgroupe.com. The firm's located at 21805 W. Field Parkway, Suite 300, in Deer Park, Illinois.

### About Plexus Private Client Solutions

The personal insurance practice of national insurance brokerage The Plexus Groupe LLC, Plexus Private Client Solutions delivers a superior client experience and comprehensive personal insurance for successful individuals and families, including auto, home, and umbrella coverage. Our experienced, dedicated team takes a consultative approach to your personal risk management needs. For more information on Plexus Private Client Solutions, contact the firm at 847.307.6100 or [via the Web](http://www.plexusgroupe.com/s/contact-private-client-solutions/img).

[View full post](https://blog.plexusgroupe.com/plexus-blog/retirement-plans/checking-homeowners-insurance-rite-spring)

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