Published by RGC Insurance
- Coverage A vs. reality. Rebuild costs moved hard these past years; inflation guard helps but drifts. Re-estimate every few renewals on purpose.
- Roof age truthfulness. Carriers increasingly settle old roofs at actual cash value or surcharge them. A new roof since last renewal is a discount you must claim.
- Deductible strategy. Yesterday's $500 deductible on today's premium is usually a bad trade — the step to $1,000–$2,500 pays annually.
- Endorsement audit. Water backup for the finished basement, service line for the older home, scheduled items for the ring bought since — the gaps grow between reviews.
- The market check. Home carriers reprice aggressively; last year's winner isn't a fact about this year. That's the re-shop we run by default.
Renewal in hand? Send the dec page through document drop-off — ours or any carrier's — and we'll run this list against it, free.